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cover-4-you-travel	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: W60OZSV2K6V3B1LEK04E . 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: W60OZSV2K6V3B1LEK04E. 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 W60OZSV2K6V3B1LEK04E LEVEL OF COVER Silver DATE OF ISSUE 21 September, 2025 COVER PERIOD Sunday 17 July, 2022 to 2020-06-27 EXCESS* £0 ADDRESS Flat 53 Justin courts Port Allan NR9Y 7EFYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Marc Fletcher-Murphy 06/02/22 DESTINATIONS COVERED Bosnia and Herzegovina OPTIONAL COVER ADDED Excess Waiver £3,945.38 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 03/01/23 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 21 September, 2025 TRAVEL INSURANCE COVID-19 LETTER: W60OZSV2K6V3B1LEK04E 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: W60OZSV2K6V3B1LEK04E Insured Persons: Marc Fletcher-Murphy (06/02/22) Insured Address: Flat 53 Justin courts Port Allan , NR9Y 7EF , United Kingdom Policy V alid: Sunday 17 July, 2022 to 2020-06-27 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	W60OZSV2K6V3B1LEK04E	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2020-06-27	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Sunday 17 July, 2022	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: 27.U/3/BRA/BW/TL2T8MZ1HD . 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: 27.U/3/BRA/BW/TL2T8MZ1HD. 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 27.U/3/BRA/BW/TL2T8MZ1HD LEVEL OF COVER Silver DATE OF ISSUE 2024-08-17 COVER PERIOD 21/07/20 to 2020-04-10 EXCESS* £0 ADDRESS 84 Gibson prairie East Andrewville B2 8TLYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Brandon Richards Sat 21 June, 2025 DESTINATIONS COVERED Slovenia OPTIONAL COVER ADDED Excess Waiver £94.21 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 06 February, 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 2024-08-17 TRAVEL INSURANCE COVID-19 LETTER: 27.U/3/BRA/BW/TL2T8MZ1HD 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: 27.U/3/BRA/BW/TL2T8MZ1HD Insured Persons: Brandon Richards (Sat 21 June, 2025) Insured Address: 84 Gibson prairie East Andrewville , B2 8TL , United Kingdom Policy V alid: 21/07/20 to 2020-04-10 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	27.U/3/BRA/BW/TL2T8MZ1HD	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2020-04-10	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	21/07/20	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: VVR_UP.FZIMU . 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: VVR_UP.FZIMU. 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 VVR_UP.FZIMU LEVEL OF COVER Silver DATE OF ISSUE 23 August, 2025 COVER PERIOD Sat 13 December, 2025 to 2022-06-26 EXCESS* £0 ADDRESS 0 Burns branch South Naomi E0J 5FQYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Anna Hussain 19 April, 2019 DESTINATIONS COVERED Martinique OPTIONAL COVER ADDED Excess Waiver £6,949.37 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 Wednesday 04 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 23 August, 2025 TRAVEL INSURANCE COVID-19 LETTER: VVR_UP.FZIMU 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: VVR_UP.FZIMU Insured Persons: Anna Hussain (19 April, 2019) Insured Address: 0 Burns branch South Naomi , E0J 5FQ , United Kingdom Policy V alid: Sat 13 December, 2025 to 2022-06-26 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	VVR_UP.FZIMU	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2022-06-26	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Sat 13 December, 2025	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: fmyqwmtoe._sega . 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: fmyqwmtoe._sega. 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 fmyqwmtoe._sega LEVEL OF COVER Silver DATE OF ISSUE 21/11/20 COVER PERIOD Saturday 24 October, 2020 to Saturday 01 May, 2021 EXCESS* £0 ADDRESS Flat 94y Farrell ports Fosterton N1 4JPYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Gordon Barrett 27/10/24 DESTINATIONS COVERED Barbados OPTIONAL COVER ADDED Excess Waiver £9,037.12 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 09 December, 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 21/11/20 TRAVEL INSURANCE COVID-19 LETTER: fmyqwmtoe._sega 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: fmyqwmtoe._sega Insured Persons: Gordon Barrett (27/10/24) Insured Address: Flat 94y Farrell ports Fosterton , N1 4JP , United Kingdom Policy V alid: Saturday 24 October, 2020 to Saturday 01 May, 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	fmyqwmtoe._sega	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Saturday 01 May, 2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Saturday 24 October, 2020	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: BN30B7FR86H . 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: BN30B7FR86H. 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 BN30B7FR86H LEVEL OF COVER Silver DATE OF ISSUE 2022-05-01 COVER PERIOD 14 August, 2025 to 17/10/25 EXCESS* £0 ADDRESS 8 Walker manor Port Debra S06 9ZJYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Brandon Brown 28/03/23 DESTINATIONS COVERED Yemen OPTIONAL COVER ADDED Excess Waiver £7,768.44 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 02/12/25 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 2022-05-01 TRAVEL INSURANCE COVID-19 LETTER: BN30B7FR86H 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: BN30B7FR86H Insured Persons: Dr Brandon Brown (28/03/23) Insured Address: 8 Walker manor Port Debra , S06 9ZJ , United Kingdom Policy V alid: 14 August, 2025 to 17/10/25 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	BN30B7FR86H	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	17/10/25	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	14 August, 2025	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: lshh_tr_pu_j_uekorxzj . 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: lshh_tr_pu_j_uekorxzj. 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 lshh_tr_pu_j_uekorxzj LEVEL OF COVER Silver DATE OF ISSUE Fri 08 March, 2019 COVER PERIOD Monday 15 August, 2022 to 2022-01-23 EXCESS* £0 ADDRESS Flat 4 Alex villages North Toby BL92 9SUYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Kyle Moss 06 January, 2024 DESTINATIONS COVERED Indonesia OPTIONAL COVER ADDED Excess Waiver £3,291.63 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 07 April, 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 Fri 08 March, 2019 TRAVEL INSURANCE COVID-19 LETTER: lshh_tr_pu_j_uekorxzj 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: lshh_tr_pu_j_uekorxzj Insured Persons: Mr Kyle Moss (06 January, 2024) Insured Address: Flat 4 Alex villages North Toby , BL92 9SU , United Kingdom Policy V alid: Monday 15 August, 2022 to 2022-01-23 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	lshh_tr_pu_j_uekorxzj	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2022-01-23	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Monday 15 August, 2022	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: 2UFAMSP . 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: 2UFAMSP. 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 2UFAMSP LEVEL OF COVER Silver DATE OF ISSUE 24/07/2023 COVER PERIOD Fri 07 August, 2020 to 14/11/2019 EXCESS* £0 ADDRESS 13 Chadwick extensions Jordanport IP4X 4WGYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Maurice Wood 04/06/22 DESTINATIONS COVERED United States Minor Outlying Islands OPTIONAL COVER ADDED Excess Waiver £3,254.48 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 24 October, 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 24/07/2023 TRAVEL INSURANCE COVID-19 LETTER: 2UFAMSP 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: 2UFAMSP Insured Persons: Maurice Wood (04/06/22) Insured Address: 13 Chadwick extensions Jordanport , IP4X 4WG , United Kingdom Policy V alid: Fri 07 August, 2020 to 14/11/2019 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	2UFAMSP	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	14/11/2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Fri 07 August, 2020	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: HM_IQ/F. . 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: HM_IQ/F.. 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 HM_IQ/F. LEVEL OF COVER Silver DATE OF ISSUE 2021-04-18 COVER PERIOD Sun 07 January, 2024 to 2025-04-21 EXCESS* £0 ADDRESS 933 Flynn motorway West Matthewberg HD99 2WBYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Chelsea Ford 09/12/22 DESTINATIONS COVERED Myanmar OPTIONAL COVER ADDED Excess Waiver £2,753.06 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 14 April, 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 2021-04-18 TRAVEL INSURANCE COVID-19 LETTER: HM_IQ/F. 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: HM_IQ/F. Insured Persons: Chelsea Ford (09/12/22) Insured Address: 933 Flynn motorway West Matthewberg , HD99 2WB , United Kingdom Policy V alid: Sun 07 January, 2024 to 2025-04-21 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	HM_IQ/F.	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2025-04-21	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Sun 07 January, 2024	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: RXPKECNH-NZU_VFPMS.PAC . 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: RXPKECNH-NZU_VFPMS.PAC. 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 RXPKECNH-NZU_VFPMS.PAC LEVEL OF COVER Silver DATE OF ISSUE 04/01/2020 COVER PERIOD 2020-05-26 to 2025-05-08 EXCESS* £0 ADDRESS 03 Carl club South Glenn CF15 8JUYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Abbie Stewart Sun 27 September, 2020 DESTINATIONS COVERED Taiwan OPTIONAL COVER ADDED Excess Waiver £3,960.29 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 05 November, 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 04/01/2020 TRAVEL INSURANCE COVID-19 LETTER: RXPKECNH-NZU_VFPMS.PAC 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: RXPKECNH-NZU_VFPMS.PAC Insured Persons: Abbie Stewart (Sun 27 September, 2020) Insured Address: 03 Carl club South Glenn , CF15 8JU , United Kingdom Policy V alid: 2020-05-26 to 2025-05-08 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	RXPKECNH-NZU_VFPMS.PAC	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2025-05-08	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2020-05-26	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: RM809Q7U0X.3KV28DRG . 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: RM809Q7U0X.3KV28DRG. 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 RM809Q7U0X.3KV28DRG LEVEL OF COVER Silver DATE OF ISSUE Sat 26 October, 2019 COVER PERIOD Thu 24 August, 2023 to 01/05/22 EXCESS* £0 ADDRESS Flat 98 Scott pine New Hayley LN4 7FLYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Graham Chapman Wed 16 October, 2019 DESTINATIONS COVERED French Guiana OPTIONAL COVER ADDED Excess Waiver £6,197.21 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 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 Sat 26 October, 2019 TRAVEL INSURANCE COVID-19 LETTER: RM809Q7U0X.3KV28DRG 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: RM809Q7U0X.3KV28DRG Insured Persons: Mr Graham Chapman (Wed 16 October, 2019) Insured Address: Flat 98 Scott pine New Hayley , LN4 7FL , United Kingdom Policy V alid: Thu 24 August, 2023 to 01/05/22 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	RM809Q7U0X.3KV28DRG	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	01/05/22	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Thu 24 August, 2023	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: iyaq__liqwxfbsuoscjv . 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: iyaq__liqwxfbsuoscjv. 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 iyaq__liqwxfbsuoscjv LEVEL OF COVER Silver DATE OF ISSUE 2022-03-25 COVER PERIOD 2022-12-06 to 2020-08-27 EXCESS* £0 ADDRESS 6 Bethany mission West Malcolm G0E 0RRYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Ms Josephine Ward 04/06/2024 DESTINATIONS COVERED Nicaragua OPTIONAL COVER ADDED Excess Waiver £3,320.22 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 13/10/2020 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 2022-03-25 TRAVEL INSURANCE COVID-19 LETTER: iyaq__liqwxfbsuoscjv 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: iyaq__liqwxfbsuoscjv Insured Persons: Ms Josephine Ward (04/06/2024) Insured Address: 6 Bethany mission West Malcolm , G0E 0RR , United Kingdom Policy V alid: 2022-12-06 to 2020-08-27 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	iyaq__liqwxfbsuoscjv	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2020-08-27	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2022-12-06	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: uhi/rysmhlva/ . 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: uhi/rysmhlva/. 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 uhi/rysmhlva/ LEVEL OF COVER Silver DATE OF ISSUE 01/08/2021 COVER PERIOD 15 January, 2022 to 24/03/2025 EXCESS* £0 ADDRESS 70 Martyn ramp Port Naomi E94 7UUYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Ms Alexandra Ellis 2024-06-02 DESTINATIONS COVERED Angola OPTIONAL COVER ADDED Excess Waiver £7,001.21 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 Wednesday 19 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 01/08/2021 TRAVEL INSURANCE COVID-19 LETTER: uhi/rysmhlva/ 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: uhi/rysmhlva/ Insured Persons: Ms Alexandra Ellis (2024-06-02) Insured Address: 70 Martyn ramp Port Naomi , E94 7UU , United Kingdom Policy V alid: 15 January, 2022 to 24/03/2025 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	uhi/rysmhlva/	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	24/03/2025	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	15 January, 2022	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: ZEQ0JZ2OM6FE . 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: ZEQ0JZ2OM6FE. 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 ZEQ0JZ2OM6FE LEVEL OF COVER Silver DATE OF ISSUE 27 July, 2019 COVER PERIOD 2019-02-08 to 27 August, 2025 EXCESS* £0 ADDRESS Flat 63 Mandy harbor Thomasport BL6 4QTYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Justin Shaw-Buckley 03 July, 2023 DESTINATIONS COVERED French Polynesia OPTIONAL COVER ADDED Excess Waiver £7,244.40 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 11/12/21 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 27 July, 2019 TRAVEL INSURANCE COVID-19 LETTER: ZEQ0JZ2OM6FE 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: ZEQ0JZ2OM6FE Insured Persons: Justin Shaw-Buckley (03 July, 2023) Insured Address: Flat 63 Mandy harbor Thomasport , BL6 4QT , United Kingdom Policy V alid: 2019-02-08 to 27 August, 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	ZEQ0JZ2OM6FE	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	27 August, 2025	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2019-02-08	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: 8S3C7O3/CO/A/YF3F3G . 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: 8S3C7O3/CO/A/YF3F3G. 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 8S3C7O3/CO/A/YF3F3G LEVEL OF COVER Silver DATE OF ISSUE 10/09/2019 COVER PERIOD 17/03/22 to 07/12/2022 EXCESS* £0 ADDRESS 3 Aaron knoll Albertberg G7D 3XYYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mohamed Winter 09/09/23 DESTINATIONS COVERED Malta OPTIONAL COVER ADDED Excess Waiver £5,685.34 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 2025-08-26 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 10/09/2019 TRAVEL INSURANCE COVID-19 LETTER: 8S3C7O3/CO/A/YF3F3G 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: 8S3C7O3/CO/A/YF3F3G Insured Persons: Mohamed Winter (09/09/23) Insured Address: 3 Aaron knoll Albertberg , G7D 3XY , United Kingdom Policy V alid: 17/03/22 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	8S3C7O3/CO/A/YF3F3G	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	07/12/2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	17/03/22	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: 9IJV502NHI . 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: 9IJV502NHI. 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 9IJV502NHI LEVEL OF COVER Silver DATE OF ISSUE 20/06/22 COVER PERIOD 07/08/24 to 24/02/2024 EXCESS* £0 ADDRESS 677 Bond cliffs Cliffordside RH1V 9GWYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.William Fisher 15/06/24 DESTINATIONS COVERED Congo OPTIONAL COVER ADDED Excess Waiver £1,902.82 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 2024-03-02 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 20/06/22 TRAVEL INSURANCE COVID-19 LETTER: 9IJV502NHI 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: 9IJV502NHI Insured Persons: William Fisher (15/06/24) Insured Address: 677 Bond cliffs Cliffordside , RH1V 9GW , United Kingdom Policy V alid: 07/08/24 to 24/02/2024 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	9IJV502NHI	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	24/02/2024	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	07/08/24	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: bphn_gxe . 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: bphn_gxe. 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 bphn_gxe LEVEL OF COVER Silver DATE OF ISSUE 12/11/21 COVER PERIOD 03 January, 2020 to 10/11/2020 EXCESS* £0 ADDRESS Studio 64n Laura mountains East Kennethfurt DG0 0QHYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Kenneth Parkin Sun 20 October, 2019 DESTINATIONS COVERED Tuvalu OPTIONAL COVER ADDED Excess Waiver £9,776.23 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 2024-06-27 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 12/11/21 TRAVEL INSURANCE COVID-19 LETTER: bphn_gxe 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: bphn_gxe Insured Persons: Mr Kenneth Parkin (Sun 20 October, 2019) Insured Address: Studio 64n Laura mountains East Kennethfurt , DG0 0QH , United Kingdom Policy V alid: 03 January, 2020 to 10/11/2020 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	bphn_gxe	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	10/11/2020	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	03 January, 2020	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: 6ZK.JEJ36COM88IYITMEML . 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: 6ZK.JEJ36COM88IYITMEML. 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 6ZK.JEJ36COM88IYITMEML LEVEL OF COVER Silver DATE OF ISSUE Monday 12 May, 2025 COVER PERIOD 2019-10-26 to Monday 13 October, 2025 EXCESS* £0 ADDRESS 91 Williams islands Port Sharonmouth RM1W 0BSYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Natasha Hewitt 23/06/2020 DESTINATIONS COVERED Rwanda OPTIONAL COVER ADDED Excess Waiver £8,267.37 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 29 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 Monday 12 May, 2025 TRAVEL INSURANCE COVID-19 LETTER: 6ZK.JEJ36COM88IYITMEML 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: 6ZK.JEJ36COM88IYITMEML Insured Persons: Dr Natasha Hewitt (23/06/2020) Insured Address: 91 Williams islands Port Sharonmouth , RM1W 0BS , United Kingdom Policy V alid: 2019-10-26 to Monday 13 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	6ZK.JEJ36COM88IYITMEML	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Monday 13 October, 2025	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2019-10-26	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: B0TJBV5/P5 . 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: B0TJBV5/P5. 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 B0TJBV5/P5 LEVEL OF COVER Silver DATE OF ISSUE Saturday 14 December, 2019 COVER PERIOD Saturday 10 July, 2021 to 05/11/23 EXCESS* £0 ADDRESS Studio 39 John springs Clarkestad TR81 6BJYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Barry Davies-Bradley 28/01/2025 DESTINATIONS COVERED Comoros OPTIONAL COVER ADDED Excess Waiver £7,876.25 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 22/01/2021 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 Saturday 14 December, 2019 TRAVEL INSURANCE COVID-19 LETTER: B0TJBV5/P5 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: B0TJBV5/P5 Insured Persons: Barry Davies-Bradley (28/01/2025) Insured Address: Studio 39 John springs Clarkestad , TR81 6BJ , United Kingdom Policy V alid: Saturday 10 July, 2021 to 05/11/23 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	B0TJBV5/P5	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	05/11/23	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Saturday 10 July, 2021	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: 00AL-EWJ1-BN90_7-AGW3N1 . 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: 00AL-EWJ1-BN90_7-AGW3N1. 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 00AL-EWJ1-BN90_7-AGW3N1 LEVEL OF COVER Silver DATE OF ISSUE 2024-01-23 COVER PERIOD 2022-02-17 to Thu 19 September, 2019 EXCESS* £0 ADDRESS 513 Smith meadows West Janetport M0 2ERYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Louis Bennett 28/03/20 DESTINATIONS COVERED Montserrat OPTIONAL COVER ADDED Excess Waiver £4,817.65 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 09 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 2024-01-23 TRAVEL INSURANCE COVID-19 LETTER: 00AL-EWJ1-BN90_7-AGW3N1 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: 00AL-EWJ1-BN90_7-AGW3N1 Insured Persons: Louis Bennett (28/03/20) Insured Address: 513 Smith meadows West Janetport , M0 2ER , United Kingdom Policy V alid: 2022-02-17 to Thu 19 September, 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	00AL-EWJ1-BN90_7-AGW3N1	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Thu 19 September, 2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2022-02-17	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: WV9IR.RD_Q5U127V . 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: WV9IR.RD_Q5U127V. 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 WV9IR.RD_Q5U127V LEVEL OF COVER Silver DATE OF ISSUE 05/10/24 COVER PERIOD 2024-10-09 to 15/12/21 EXCESS* £0 ADDRESS 60 Fox ford Damianhaven S8 4UBYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Kenneth Gibson 06 August, 2024 DESTINATIONS COVERED Bangladesh OPTIONAL COVER ADDED Excess Waiver £4,436.68 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 Thursday 22 February, 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 05/10/24 TRAVEL INSURANCE COVID-19 LETTER: WV9IR.RD_Q5U127V 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: WV9IR.RD_Q5U127V Insured Persons: Mr Kenneth Gibson (06 August, 2024) Insured Address: 60 Fox ford Damianhaven , S8 4UB , United Kingdom Policy V alid: 2024-10-09 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	WV9IR.RD_Q5U127V	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	15/12/21	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2024-10-09	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: dmdd-_rt_gi. . 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: dmdd-_rt_gi.. 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 dmdd-_rt_gi. LEVEL OF COVER Silver DATE OF ISSUE 22/02/22 COVER PERIOD 16/08/2025 to 2025-08-01 EXCESS* £0 ADDRESS 0 Clarke course Youngfurt DA9 7EBYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Jason Flynn 19 July, 2024 DESTINATIONS COVERED Qatar OPTIONAL COVER ADDED Excess Waiver £2,177.07 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 28/02/2025 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 22/02/22 TRAVEL INSURANCE COVID-19 LETTER: dmdd-_rt_gi. 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: dmdd-_rt_gi. Insured Persons: Dr Jason Flynn (19 July, 2024) Insured Address: 0 Clarke course Youngfurt , DA9 7EB , United Kingdom Policy V alid: 16/08/2025 to 2025-08-01 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	dmdd-_rt_gi.	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2025-08-01	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	16/08/2025	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: zy/jhymzupekd.ivb-g . 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: zy/jhymzupekd.ivb-g. 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 zy/jhymzupekd.ivb-g LEVEL OF COVER Silver DATE OF ISSUE 15/07/2022 COVER PERIOD 2025-10-03 to Monday 13 November, 2023 EXCESS* £0 ADDRESS Studio 16B Humphreys circle Craigborough G8 0YWYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Gemma Phillips 10/06/2019 DESTINATIONS COVERED Cape Verde OPTIONAL COVER ADDED Excess Waiver £6,027.52 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 2019-05-07 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 15/07/2022 TRAVEL INSURANCE COVID-19 LETTER: zy/jhymzupekd.ivb-g 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: zy/jhymzupekd.ivb-g Insured Persons: Gemma Phillips (10/06/2019) Insured Address: Studio 16B Humphreys circle Craigborough , G8 0YW , United Kingdom Policy V alid: 2025-10-03 to Monday 13 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	zy/jhymzupekd.ivb-g	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Monday 13 November, 2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2025-10-03	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: F3O37/OUF15XJEX35PLSS . 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: F3O37/OUF15XJEX35PLSS. 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 F3O37/OUF15XJEX35PLSS LEVEL OF COVER Silver DATE OF ISSUE 2024-05-03 COVER PERIOD 19/09/2021 to Mon 19 July, 2021 EXCESS* £0 ADDRESS Studio 91W Campbell crest Savageside N00 6JHYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Tina Daly Wednesday 10 August, 2022 DESTINATIONS COVERED Estonia OPTIONAL COVER ADDED Excess Waiver £6,136.14 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 30 January, 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 2024-05-03 TRAVEL INSURANCE COVID-19 LETTER: F3O37/OUF15XJEX35PLSS 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: F3O37/OUF15XJEX35PLSS Insured Persons: Tina Daly (Wednesday 10 August, 2022) Insured Address: Studio 91W Campbell crest Savageside , N00 6JH , United Kingdom Policy V alid: 19/09/2021 to Mon 19 July, 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	F3O37/OUF15XJEX35PLSS	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Mon 19 July, 2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	19/09/2021	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: nhlvm.ppmrvy.fzqjaiktxh . 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: nhlvm.ppmrvy.fzqjaiktxh. 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 nhlvm.ppmrvy.fzqjaiktxh LEVEL OF COVER Silver DATE OF ISSUE 22/05/19 COVER PERIOD Sun 22 October, 2023 to 21/04/2022 EXCESS* £0 ADDRESS 461 Colin plains Haynesland TS18 2NTYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Yvonne Burton Monday 15 November, 2021 DESTINATIONS COVERED Montenegro OPTIONAL COVER ADDED Excess Waiver £3,695.93 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 Thu 26 September, 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 22/05/19 TRAVEL INSURANCE COVID-19 LETTER: nhlvm.ppmrvy.fzqjaiktxh 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: nhlvm.ppmrvy.fzqjaiktxh Insured Persons: Dr Yvonne Burton (Monday 15 November, 2021) Insured Address: 461 Colin plains Haynesland , TS18 2NT , United Kingdom Policy V alid: Sun 22 October, 2023 to 21/04/2022 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	nhlvm.ppmrvy.fzqjaiktxh	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	21/04/2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Sun 22 October, 2023	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: 4OV_NNJ4O/B07Y.ERP_YKV . 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: 4OV_NNJ4O/B07Y.ERP_YKV. 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 4OV_NNJ4O/B07Y.ERP_YKV LEVEL OF COVER Silver DATE OF ISSUE Sun 22 January, 2023 COVER PERIOD Sat 28 August, 2021 to 2021-06-11 EXCESS* £0 ADDRESS 1 Janice run Port Ronald PE64 2ZJYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Miss Ann Watson 04 April, 2022 DESTINATIONS COVERED Morocco OPTIONAL COVER ADDED Excess Waiver £1,043.65 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 02/06/22 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 Sun 22 January, 2023 TRAVEL INSURANCE COVID-19 LETTER: 4OV_NNJ4O/B07Y.ERP_YKV 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: 4OV_NNJ4O/B07Y.ERP_YKV Insured Persons: Miss Ann Watson (04 April, 2022) Insured Address: 1 Janice run Port Ronald , PE64 2ZJ , United Kingdom Policy V alid: Sat 28 August, 2021 to 2021-06-11 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	4OV_NNJ4O/B07Y.ERP_YKV	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2021-06-11	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Sat 28 August, 2021	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: ZV48S7/HN60B6XG . 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: ZV48S7/HN60B6XG. 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 ZV48S7/HN60B6XG LEVEL OF COVER Silver DATE OF ISSUE 2025-12-23 COVER PERIOD 17 April, 2019 to 11/10/23 EXCESS* £0 ADDRESS 924 Hicks tunnel North Michelleport BL6 8WRYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Jenna Moss 04 July, 2020 DESTINATIONS COVERED Guinea-Bissau OPTIONAL COVER ADDED Excess Waiver £7,947.71 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 20 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 2025-12-23 TRAVEL INSURANCE COVID-19 LETTER: ZV48S7/HN60B6XG 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: ZV48S7/HN60B6XG Insured Persons: Jenna Moss (04 July, 2020) Insured Address: 924 Hicks tunnel North Michelleport , BL6 8WR , United Kingdom Policy V alid: 17 April, 2019 to 11/10/23 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	ZV48S7/HN60B6XG	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	11/10/23	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	17 April, 2019	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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-VFTFWSLBQLX-GZNK . 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-VFTFWSLBQLX-GZNK. 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-VFTFWSLBQLX-GZNK LEVEL OF COVER Silver DATE OF ISSUE Tuesday 04 June, 2024 COVER PERIOD Fri 11 October, 2019 to 2025-04-05 EXCESS* £0 ADDRESS Studio 17M Clare fork Wrightstad L93 2YUYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Margaret Davies 06/06/24 DESTINATIONS COVERED China OPTIONAL COVER ADDED Excess Waiver £6,986.57 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 Sunday 12 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 Tuesday 04 June, 2024 TRAVEL INSURANCE COVID-19 LETTER: Q-VFTFWSLBQLX-GZNK 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-VFTFWSLBQLX-GZNK Insured Persons: Margaret Davies (06/06/24) Insured Address: Studio 17M Clare fork Wrightstad , L93 2YU , United Kingdom Policy V alid: Fri 11 October, 2019 to 2025-04-05 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	Q-VFTFWSLBQLX-GZNK	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2025-04-05	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Fri 11 October, 2019	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: 9-FW8NA . 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: 9-FW8NA. 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 9-FW8NA LEVEL OF COVER Silver DATE OF ISSUE 2023-05-09 COVER PERIOD 13 January, 2022 to Wednesday 13 February, 2019 EXCESS* £0 ADDRESS Flat 7 Foster bypass Smithborough SE1H 8QSYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dale Kirby 2023-05-11 DESTINATIONS COVERED Guam OPTIONAL COVER ADDED Excess Waiver £2,055.02 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 19 October, 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 2023-05-09 TRAVEL INSURANCE COVID-19 LETTER: 9-FW8NA 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: 9-FW8NA Insured Persons: Dale Kirby (2023-05-11) Insured Address: Flat 7 Foster bypass Smithborough , SE1H 8QS , United Kingdom Policy V alid: 13 January, 2022 to Wednesday 13 February, 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	9-FW8NA	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Wednesday 13 February, 2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	13 January, 2022	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: r.nsdpgcoknxr . 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: r.nsdpgcoknxr. 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 r.nsdpgcoknxr LEVEL OF COVER Silver DATE OF ISSUE 07/12/2024 COVER PERIOD 24 October, 2020 to 2019-03-26 EXCESS* £0 ADDRESS 969 Page haven Abbottburgh G9F 0LNYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Christopher Richards 22/10/2023 DESTINATIONS COVERED Pakistan OPTIONAL COVER ADDED Excess Waiver £298.97 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 Friday 30 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 07/12/2024 TRAVEL INSURANCE COVID-19 LETTER: r.nsdpgcoknxr 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: r.nsdpgcoknxr Insured Persons: Dr Christopher Richards (22/10/2023) Insured Address: 969 Page haven Abbottburgh , G9F 0LN , United Kingdom Policy V alid: 24 October, 2020 to 2019-03-26 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	r.nsdpgcoknxr	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2019-03-26	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	24 October, 2020	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: DMS__VWYE_ . 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: DMS__VWYE_. 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 DMS__VWYE_ LEVEL OF COVER Silver DATE OF ISSUE 31/07/2020 COVER PERIOD 21/10/20 to Tuesday 21 March, 2023 EXCESS* £0 ADDRESS 71 Hazel well Glenchester B82 4ENYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Anne Gibbons 2021-01-28 DESTINATIONS COVERED South Georgia and the South Sandwich Islands OPTIONAL COVER ADDED Excess Waiver £4,942.45 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 02 February, 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 31/07/2020 TRAVEL INSURANCE COVID-19 LETTER: DMS__VWYE_ 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: DMS__VWYE_ Insured Persons: Anne Gibbons (2021-01-28) Insured Address: 71 Hazel well Glenchester , B82 4EN , United Kingdom Policy V alid: 21/10/20 to Tuesday 21 March, 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	DMS__VWYE_	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Tuesday 21 March, 2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	21/10/20	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: R.XSXTHXGC. . 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: R.XSXTHXGC.. 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 R.XSXTHXGC. LEVEL OF COVER Silver DATE OF ISSUE 2023-09-04 COVER PERIOD Mon 08 July, 2019 to Wednesday 03 September, 2025 EXCESS* £0 ADDRESS 1 Murphy ports West June S5D 9AYYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Kayleigh Pritchard-Burton Sunday 12 June, 2022 DESTINATIONS COVERED Pitcairn Islands OPTIONAL COVER ADDED Excess Waiver £5,504.30 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 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 2023-09-04 TRAVEL INSURANCE COVID-19 LETTER: R.XSXTHXGC. 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: R.XSXTHXGC. Insured Persons: Kayleigh Pritchard-Burton (Sunday 12 June, 2022) Insured Address: 1 Murphy ports West June , S5D 9AY , United Kingdom Policy V alid: Mon 08 July, 2019 to Wednesday 03 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	R.XSXTHXGC.	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Wednesday 03 September, 2025	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Mon 08 July, 2019	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: GQVH_B.HQSMUZU . 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: GQVH_B.HQSMUZU. 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 GQVH_B.HQSMUZU LEVEL OF COVER Silver DATE OF ISSUE 28/10/23 COVER PERIOD 2020-11-11 to 03 December, 2021 EXCESS* £0 ADDRESS 488 Jessica square Beverleymouth B09 6EYYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Jessica Smith 19/05/2021 DESTINATIONS COVERED Philippines OPTIONAL COVER ADDED Excess Waiver £9,931.37 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 29/08/2022 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 28/10/23 TRAVEL INSURANCE COVID-19 LETTER: GQVH_B.HQSMUZU 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: GQVH_B.HQSMUZU Insured Persons: Dr Jessica Smith (19/05/2021) Insured Address: 488 Jessica square Beverleymouth , B09 6EY , United Kingdom Policy V alid: 2020-11-11 to 03 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	GQVH_B.HQSMUZU	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	03 December, 2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2020-11-11	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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/RYLUFN/IXYCQEH0R_ECP . 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/RYLUFN/IXYCQEH0R_ECP. 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/RYLUFN/IXYCQEH0R_ECP LEVEL OF COVER Silver DATE OF ISSUE Monday 22 April, 2019 COVER PERIOD Monday 31 August, 2020 to 31/07/20 EXCESS* £0 ADDRESS 604 Kaur ramp Katefort NN3E 7AYYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Jill Oliver 2023-05-29 DESTINATIONS COVERED Jamaica OPTIONAL COVER ADDED Excess Waiver £7,194.96 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 06 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 Monday 22 April, 2019 TRAVEL INSURANCE COVID-19 LETTER: 37/RYLUFN/IXYCQEH0R_ECP 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/RYLUFN/IXYCQEH0R_ECP Insured Persons: Jill Oliver (2023-05-29) Insured Address: 604 Kaur ramp Katefort , NN3E 7AY , United Kingdom Policy V alid: Monday 31 August, 2020 to 31/07/20 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	37/RYLUFN/IXYCQEH0R_ECP	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	31/07/20	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Monday 31 August, 2020	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: SY9-U/V.RDJDQAGJETO3WT . 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: SY9-U/V.RDJDQAGJETO3WT. 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 SY9-U/V.RDJDQAGJETO3WT LEVEL OF COVER Silver DATE OF ISSUE 23 January, 2020 COVER PERIOD 26/11/22 to 26 February, 2024 EXCESS* £0 ADDRESS Studio 44N Gregory cliffs Masonmouth UB30 0YRYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr David Bates Wednesday 31 July, 2024 DESTINATIONS COVERED Lithuania OPTIONAL COVER ADDED Excess Waiver £8,810.07 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 Thursday 16 September, 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 January, 2020 TRAVEL INSURANCE COVID-19 LETTER: SY9-U/V.RDJDQAGJETO3WT 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: SY9-U/V.RDJDQAGJETO3WT Insured Persons: Mr David Bates (Wednesday 31 July, 2024) Insured Address: Studio 44N Gregory cliffs Masonmouth , UB30 0YR , United Kingdom Policy V alid: 26/11/22 to 26 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	SY9-U/V.RDJDQAGJETO3WT	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	26 February, 2024	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	26/11/22	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: LOWYZ.G4O5N1XZU7XW6 . 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: LOWYZ.G4O5N1XZU7XW6. 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 LOWYZ.G4O5N1XZU7XW6 LEVEL OF COVER Silver DATE OF ISSUE 23/09/2021 COVER PERIOD 31/07/2023 to 2019-03-03 EXCESS* £0 ADDRESS 093 Goddard motorway North Malcolmhaven SK42 5UWYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Oliver Ahmed 17/11/22 DESTINATIONS COVERED Bahamas OPTIONAL COVER ADDED Excess Waiver £4,495.22 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 2024-09-28 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 23/09/2021 TRAVEL INSURANCE COVID-19 LETTER: LOWYZ.G4O5N1XZU7XW6 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: LOWYZ.G4O5N1XZU7XW6 Insured Persons: Mr Oliver Ahmed (17/11/22) Insured Address: 093 Goddard motorway North Malcolmhaven , SK42 5UW , United Kingdom Policy V alid: 31/07/2023 to 2019-03-03 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	LOWYZ.G4O5N1XZU7XW6	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2019-03-03	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	31/07/2023	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: ZESHJYICYBSOHDXLK . 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: ZESHJYICYBSOHDXLK. 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 ZESHJYICYBSOHDXLK LEVEL OF COVER Silver DATE OF ISSUE 2021-11-13 COVER PERIOD 20/11/2019 to 12 May, 2022 EXCESS* £0 ADDRESS 205 Ali lock Rebeccatown W74 1AXYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Duncan Pugh-Booth Friday 27 May, 2022 DESTINATIONS COVERED Colombia OPTIONAL COVER ADDED Excess Waiver £7,585.03 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 30/04/23 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 2021-11-13 TRAVEL INSURANCE COVID-19 LETTER: ZESHJYICYBSOHDXLK 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: ZESHJYICYBSOHDXLK Insured Persons: Duncan Pugh-Booth (Friday 27 May, 2022) Insured Address: 205 Ali lock Rebeccatown , W74 1AX , United Kingdom Policy V alid: 20/11/2019 to 12 May, 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	ZESHJYICYBSOHDXLK	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	12 May, 2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	20/11/2019	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: 2OLOUO5RBECQE6TNRGG7VT . 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: 2OLOUO5RBECQE6TNRGG7VT. 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 2OLOUO5RBECQE6TNRGG7VT LEVEL OF COVER Silver DATE OF ISSUE 19/11/2025 COVER PERIOD 23/05/2022 to 16 December, 2025 EXCESS* £0 ADDRESS 623 Jones streets Marionburgh JE58 3RDYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Timothy Frost 01/10/2020 DESTINATIONS COVERED Antigua and Barbuda OPTIONAL COVER ADDED Excess Waiver £1,744.97 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 2020-01-06 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 19/11/2025 TRAVEL INSURANCE COVID-19 LETTER: 2OLOUO5RBECQE6TNRGG7VT 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: 2OLOUO5RBECQE6TNRGG7VT Insured Persons: Timothy Frost (01/10/2020) Insured Address: 623 Jones streets Marionburgh , JE58 3RD , United Kingdom Policy V alid: 23/05/2022 to 16 December, 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	2OLOUO5RBECQE6TNRGG7VT	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	16 December, 2025	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	23/05/2022	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: BSMV/QQOGJXJHB/V-RS . 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: BSMV/QQOGJXJHB/V-RS. 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 BSMV/QQOGJXJHB/V-RS LEVEL OF COVER Silver DATE OF ISSUE 05 February, 2020 COVER PERIOD 30 December, 2024 to 27/09/2019 EXCESS* £0 ADDRESS 95 Jennifer ports Liamside KY6V 2BEYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Bruce Berry Sat 02 December, 2023 DESTINATIONS COVERED Norfolk Island OPTIONAL COVER ADDED Excess Waiver £3,701.66 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 18 April, 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 05 February, 2020 TRAVEL INSURANCE COVID-19 LETTER: BSMV/QQOGJXJHB/V-RS 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: BSMV/QQOGJXJHB/V-RS Insured Persons: Bruce Berry (Sat 02 December, 2023) Insured Address: 95 Jennifer ports Liamside , KY6V 2BE , United Kingdom Policy V alid: 30 December, 2024 to 27/09/2019 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	BSMV/QQOGJXJHB/V-RS	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	27/09/2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	30 December, 2024	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: 2-JPAJ7QJI0 . 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: 2-JPAJ7QJI0. 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 2-JPAJ7QJI0 LEVEL OF COVER Silver DATE OF ISSUE Monday 20 October, 2025 COVER PERIOD Thursday 05 December, 2024 to 10 April, 2022 EXCESS* £0 ADDRESS 9 Abdul ridges West Wendy PH5Y 8RBYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Dale Clarke Fri 17 December, 2021 DESTINATIONS COVERED Myanmar OPTIONAL COVER ADDED Excess Waiver £2,398.93 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 15/10/2024 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 Monday 20 October, 2025 TRAVEL INSURANCE COVID-19 LETTER: 2-JPAJ7QJI0 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: 2-JPAJ7QJI0 Insured Persons: Dr Dale Clarke (Fri 17 December, 2021) Insured Address: 9 Abdul ridges West Wendy , PH5Y 8RB , United Kingdom Policy V alid: Thursday 05 December, 2024 to 10 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	2-JPAJ7QJI0	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	10 April, 2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Thursday 05 December, 2024	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: 83GPMLVS9TSYI-9YE1 . 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: 83GPMLVS9TSYI-9YE1. 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 83GPMLVS9TSYI-9YE1 LEVEL OF COVER Silver DATE OF ISSUE 22 August, 2019 COVER PERIOD 11/11/20 to 12/09/21 EXCESS* £0 ADDRESS 7 Roberts ramp New Vanessaland SA7 3SEYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Amanda Ball 27 July, 2024 DESTINATIONS COVERED Gambia OPTIONAL COVER ADDED Excess Waiver £1,280.91 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 24/01/24 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 22 August, 2019 TRAVEL INSURANCE COVID-19 LETTER: 83GPMLVS9TSYI-9YE1 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: 83GPMLVS9TSYI-9YE1 Insured Persons: Dr Amanda Ball (27 July, 2024) Insured Address: 7 Roberts ramp New Vanessaland , SA7 3SE , United Kingdom Policy V alid: 11/11/20 to 12/09/21 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	83GPMLVS9TSYI-9YE1	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	12/09/21	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	11/11/20	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: VHMJPRC . 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: VHMJPRC. 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 VHMJPRC LEVEL OF COVER Silver DATE OF ISSUE Sat 06 February, 2021 COVER PERIOD Thursday 26 September, 2024 to Wed 13 October, 2021 EXCESS* £0 ADDRESS 874 Jackson hill Begummouth B4 7LRYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Katy Davies Wed 26 August, 2020 DESTINATIONS COVERED Holy See (Vatican City State) OPTIONAL COVER ADDED Excess Waiver £6,396.78 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 2021-01-31 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 06 February, 2021 TRAVEL INSURANCE COVID-19 LETTER: VHMJPRC 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: VHMJPRC Insured Persons: Katy Davies (Wed 26 August, 2020) Insured Address: 874 Jackson hill Begummouth , B4 7LR , United Kingdom Policy V alid: Thursday 26 September, 2024 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	VHMJPRC	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Wed 13 October, 2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Thursday 26 September, 2024	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: reiciendis-qui-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: reiciendis-qui-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 reiciendis-qui-ab LEVEL OF COVER Silver DATE OF ISSUE 18/07/25 COVER PERIOD 2020-03-17 to 19/04/2019 EXCESS* £0 ADDRESS Studio 15a Coles knoll West Donald KT9 3PLYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Kathleen Green 03/05/2024 DESTINATIONS COVERED Tonga OPTIONAL COVER ADDED Excess Waiver £1,877.18 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 18/07/25 TRAVEL INSURANCE COVID-19 LETTER: reiciendis-qui-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: reiciendis-qui-ab Insured Persons: Kathleen Green (03/05/2024) Insured Address: Studio 15a Coles knoll West Donald , KT9 3PL , United Kingdom Policy V alid: 2020-03-17 to 19/04/2019 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	reiciendis-qui-ab	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	19/04/2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2020-03-17	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: UZ7HU9/H/G32SSS . 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: UZ7HU9/H/G32SSS. 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 UZ7HU9/H/G32SSS LEVEL OF COVER Silver DATE OF ISSUE 2020-01-09 COVER PERIOD 15 February, 2024 to 18 November, 2022 EXCESS* £0 ADDRESS 4 Robin plaza New Martyn E1H 3NGYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Owen Morris Wednesday 11 December, 2019 DESTINATIONS COVERED Madagascar OPTIONAL COVER ADDED Excess Waiver £144.61 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 Fri 29 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 2020-01-09 TRAVEL INSURANCE COVID-19 LETTER: UZ7HU9/H/G32SSS 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: UZ7HU9/H/G32SSS Insured Persons: Owen Morris (Wednesday 11 December, 2019) Insured Address: 4 Robin plaza New Martyn , E1H 3NG , United Kingdom Policy V alid: 15 February, 2024 to 18 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	UZ7HU9/H/G32SSS	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	18 November, 2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	15 February, 2024	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: qpid_efkctex_/oe . 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: qpid_efkctex_/oe. 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 qpid_efkctex_/oe LEVEL OF COVER Silver DATE OF ISSUE 11 June, 2019 COVER PERIOD 2020-07-26 to Tue 29 December, 2020 EXCESS* £0 ADDRESS 28 Evans port North Ellie AL48 7GEYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Ms Irene Morgan Saturday 08 October, 2022 DESTINATIONS COVERED French Polynesia OPTIONAL COVER ADDED Excess Waiver £2,072.24 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 13 December, 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 11 June, 2019 TRAVEL INSURANCE COVID-19 LETTER: qpid_efkctex_/oe 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: qpid_efkctex_/oe Insured Persons: Ms Irene Morgan (Saturday 08 October, 2022) Insured Address: 28 Evans port North Ellie , AL48 7GE , United Kingdom Policy V alid: 2020-07-26 to Tue 29 December, 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	qpid_efkctex_/oe	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Tue 29 December, 2020	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2020-07-26	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: mlvfzgv . 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: mlvfzgv. 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 mlvfzgv LEVEL OF COVER Silver DATE OF ISSUE 2025-01-02 COVER PERIOD 2019-05-20 to 2020-02-19 EXCESS* £0 ADDRESS 340 Tucker parks Katiechester PL19 6JHYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Gillian Davis 22 October, 2021 DESTINATIONS COVERED Puerto Rico OPTIONAL COVER ADDED Excess Waiver £9,188.67 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 Sat 30 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 2025-01-02 TRAVEL INSURANCE COVID-19 LETTER: mlvfzgv 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: mlvfzgv Insured Persons: Gillian Davis (22 October, 2021) Insured Address: 340 Tucker parks Katiechester , PL19 6JH , United Kingdom Policy V alid: 2019-05-20 to 2020-02-19 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	mlvfzgv	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2020-02-19	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2019-05-20	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: ACSRJPMDQ-L/LZY-DDTFKI . 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: ACSRJPMDQ-L/LZY-DDTFKI. 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 ACSRJPMDQ-L/LZY-DDTFKI LEVEL OF COVER Silver DATE OF ISSUE Tuesday 16 August, 2022 COVER PERIOD Sunday 30 April, 2023 to 13/03/19 EXCESS* £0 ADDRESS 6 Greenwood route New Kimberleyside RH7 7HWYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Louis Hall Sunday 16 February, 2025 DESTINATIONS COVERED Jamaica OPTIONAL COVER ADDED Excess Waiver £6,354.88 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 2021-11-26 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 16 August, 2022 TRAVEL INSURANCE COVID-19 LETTER: ACSRJPMDQ-L/LZY-DDTFKI 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: ACSRJPMDQ-L/LZY-DDTFKI Insured Persons: Louis Hall (Sunday 16 February, 2025) Insured Address: 6 Greenwood route New Kimberleyside , RH7 7HW , United Kingdom Policy V alid: Sunday 30 April, 2023 to 13/03/19 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	ACSRJPMDQ-L/LZY-DDTFKI	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	13/03/19	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Sunday 30 April, 2023	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: fpx.z-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: fpx.z-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 fpx.z-x. LEVEL OF COVER Silver DATE OF ISSUE 08/11/20 COVER PERIOD Wed 17 December, 2025 to 2024-11-13 EXCESS* £0 ADDRESS 0 Smith ford Meganfurt WR5B 3NTYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Ms Marion Nash 30/12/2019 DESTINATIONS COVERED Saudi Arabia OPTIONAL COVER ADDED Excess Waiver £5,620.85 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 10 September, 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 08/11/20 TRAVEL INSURANCE COVID-19 LETTER: fpx.z-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: fpx.z-x. Insured Persons: Ms Marion Nash (30/12/2019) Insured Address: 0 Smith ford Meganfurt , WR5B 3NT , United Kingdom Policy V alid: Wed 17 December, 2025 to 2024-11-13 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	fpx.z-x.	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2024-11-13	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Wed 17 December, 2025	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: 39H9D-JQMMKAWR/5/Y3FN . 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: 39H9D-JQMMKAWR/5/Y3FN. 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 39H9D-JQMMKAWR/5/Y3FN LEVEL OF COVER Silver DATE OF ISSUE 18/10/19 COVER PERIOD 29 February, 2020 to Thu 09 May, 2024 EXCESS* £0 ADDRESS 394 Lydia crescent Port Joanneburgh E86 0WGYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Rhys Johnson 18/09/2020 DESTINATIONS COVERED Kenya OPTIONAL COVER ADDED Excess Waiver £3,015.94 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 26/11/2020 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 18/10/19 TRAVEL INSURANCE COVID-19 LETTER: 39H9D-JQMMKAWR/5/Y3FN 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: 39H9D-JQMMKAWR/5/Y3FN Insured Persons: Rhys Johnson (18/09/2020) Insured Address: 394 Lydia crescent Port Joanneburgh , E86 0WG , United Kingdom Policy V alid: 29 February, 2020 to Thu 09 May, 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	39H9D-JQMMKAWR/5/Y3FN	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Thu 09 May, 2024	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	29 February, 2020	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: dwz-pgi.sufvzxpo . 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: dwz-pgi.sufvzxpo. 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 dwz-pgi.sufvzxpo LEVEL OF COVER Silver DATE OF ISSUE 10 September, 2024 COVER PERIOD 2025-02-25 to Tue 21 January, 2025 EXCESS* £0 ADDRESS Studio 07 Warner estate Port Paul GL3B 2ZXYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Martin Hudson 10/04/25 DESTINATIONS COVERED Turks and Caicos Islands OPTIONAL COVER ADDED Excess Waiver £6,362.81 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 Saturday 05 December, 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 10 September, 2024 TRAVEL INSURANCE COVID-19 LETTER: dwz-pgi.sufvzxpo 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: dwz-pgi.sufvzxpo Insured Persons: Dr Martin Hudson (10/04/25) Insured Address: Studio 07 Warner estate Port Paul , GL3B 2ZX , United Kingdom Policy V alid: 2025-02-25 to Tue 21 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	dwz-pgi.sufvzxpo	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Tue 21 January, 2025	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2025-02-25	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: 7RU9K9R8_/3ZOULKIQP9F . 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: 7RU9K9R8_/3ZOULKIQP9F. 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 7RU9K9R8_/3ZOULKIQP9F LEVEL OF COVER Silver DATE OF ISSUE Friday 09 January, 2026 COVER PERIOD 2022-06-14 to 18/04/2025 EXCESS* £0 ADDRESS Studio 4 Hewitt gardens Scottbury L4S 4YSYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Vanessa Perry 2022-06-27 DESTINATIONS COVERED Tajikistan OPTIONAL COVER ADDED Excess Waiver £5,787.69 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 13 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 Friday 09 January, 2026 TRAVEL INSURANCE COVID-19 LETTER: 7RU9K9R8_/3ZOULKIQP9F 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: 7RU9K9R8_/3ZOULKIQP9F Insured Persons: Vanessa Perry (2022-06-27) Insured Address: Studio 4 Hewitt gardens Scottbury , L4S 4YS , United Kingdom Policy V alid: 2022-06-14 to 18/04/2025 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	7RU9K9R8_/3ZOULKIQP9F	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	18/04/2025	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2022-06-14	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: RYVZGN/K_ . 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: RYVZGN/K_. 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 RYVZGN/K_ LEVEL OF COVER Silver DATE OF ISSUE 2025-07-29 COVER PERIOD Thu 11 July, 2019 to 27 December, 2022 EXCESS* £0 ADDRESS 7 Jackson drives New Rickyberg L3 3SBYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Emily Cooke 11 March, 2020 DESTINATIONS COVERED Djibouti OPTIONAL COVER ADDED Excess Waiver £8,931.88 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 29 December, 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 2025-07-29 TRAVEL INSURANCE COVID-19 LETTER: RYVZGN/K_ 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: RYVZGN/K_ Insured Persons: Emily Cooke (11 March, 2020) Insured Address: 7 Jackson drives New Rickyberg , L3 3SB , United Kingdom Policy V alid: Thu 11 July, 2019 to 27 December, 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	RYVZGN/K_	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	27 December, 2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Thu 11 July, 2019	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: 1P1L.Q.LSMO4UGSAX-N0 . 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: 1P1L.Q.LSMO4UGSAX-N0. 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 1P1L.Q.LSMO4UGSAX-N0 LEVEL OF COVER Silver DATE OF ISSUE 2022-04-11 COVER PERIOD 19 June, 2019 to 2020-10-06 EXCESS* £0 ADDRESS Flat 3 Davies station New Alex W6W 7JNYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mathew Patel-James Thursday 06 October, 2022 DESTINATIONS COVERED Afghanistan OPTIONAL COVER ADDED Excess Waiver £9,854.04 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 Tue 28 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 2022-04-11 TRAVEL INSURANCE COVID-19 LETTER: 1P1L.Q.LSMO4UGSAX-N0 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: 1P1L.Q.LSMO4UGSAX-N0 Insured Persons: Mathew Patel-James (Thursday 06 October, 2022) Insured Address: Flat 3 Davies station New Alex , W6W 7JN , United Kingdom Policy V alid: 19 June, 2019 to 2020-10-06 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	1P1L.Q.LSMO4UGSAX-N0	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2020-10-06	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	19 June, 2019	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: 3YA1FN2GXI-OICF0 . 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: 3YA1FN2GXI-OICF0. 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 3YA1FN2GXI-OICF0 LEVEL OF COVER Silver DATE OF ISSUE Saturday 28 October, 2023 COVER PERIOD Fri 11 February, 2022 to 24/07/2021 EXCESS* £0 ADDRESS 020 Allan spur Paulamouth N7 4XBYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mrs Sharon Howard Tuesday 08 September, 2020 DESTINATIONS COVERED Niger OPTIONAL COVER ADDED Excess Waiver £6,851.09 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 2023-07-11 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 28 October, 2023 TRAVEL INSURANCE COVID-19 LETTER: 3YA1FN2GXI-OICF0 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: 3YA1FN2GXI-OICF0 Insured Persons: Mrs Sharon Howard (Tuesday 08 September, 2020) Insured Address: 020 Allan spur Paulamouth , N7 4XB , United Kingdom Policy V alid: Fri 11 February, 2022 to 24/07/2021 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	3YA1FN2GXI-OICF0	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	24/07/2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Fri 11 February, 2022	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: ahcbvryizzspntrfwkou . 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: ahcbvryizzspntrfwkou. 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 ahcbvryizzspntrfwkou LEVEL OF COVER Silver DATE OF ISSUE 08/08/19 COVER PERIOD Thu 16 November, 2023 to Thu 17 October, 2024 EXCESS* £0 ADDRESS Studio 22 Joe plaza Fisherport M60 5QYYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Tom Campbell 28 July, 2021 DESTINATIONS COVERED Azerbaijan OPTIONAL COVER ADDED Excess Waiver £9,383.79 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 01/01/24 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 08/08/19 TRAVEL INSURANCE COVID-19 LETTER: ahcbvryizzspntrfwkou 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: ahcbvryizzspntrfwkou Insured Persons: Tom Campbell (28 July, 2021) Insured Address: Studio 22 Joe plaza Fisherport , M60 5QY , United Kingdom Policy V alid: Thu 16 November, 2023 to Thu 17 October, 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	ahcbvryizzspntrfwkou	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Thu 17 October, 2024	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Thu 16 November, 2023	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: 65/--TK/F.D7YZOA . 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: 65/--TK/F.D7YZOA. 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 65/--TK/F.D7YZOA LEVEL OF COVER Silver DATE OF ISSUE 2019-11-14 COVER PERIOD Wednesday 24 May, 2023 to 17/06/20 EXCESS* £0 ADDRESS Flat 5 Henry ville Lynnhaven M9B 7RXYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Glen Pratt 27/01/2023 DESTINATIONS COVERED Iraq OPTIONAL COVER ADDED Excess Waiver £9,880.78 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 Thu 17 October, 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 2019-11-14 TRAVEL INSURANCE COVID-19 LETTER: 65/--TK/F.D7YZOA 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: 65/--TK/F.D7YZOA Insured Persons: Glen Pratt (27/01/2023) Insured Address: Flat 5 Henry ville Lynnhaven , M9B 7RX , United Kingdom Policy V alid: Wednesday 24 May, 2023 to 17/06/20 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	65/--TK/F.D7YZOA	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	17/06/20	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Wednesday 24 May, 2023	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: QIYBGJPX.VOG . 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: QIYBGJPX.VOG. 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 QIYBGJPX.VOG LEVEL OF COVER Silver DATE OF ISSUE 06/09/24 COVER PERIOD 2021-03-07 to 17 April, 2024 EXCESS* £0 ADDRESS Flat 25W Elliott points North Shannon WD9H 1GYYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Barry Griffiths 19/12/23 DESTINATIONS COVERED Malta OPTIONAL COVER ADDED Excess Waiver £2,918.55 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 30/10/21 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 06/09/24 TRAVEL INSURANCE COVID-19 LETTER: QIYBGJPX.VOG 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: QIYBGJPX.VOG Insured Persons: Barry Griffiths (19/12/23) Insured Address: Flat 25W Elliott points North Shannon , WD9H 1GY , United Kingdom Policy V alid: 2021-03-07 to 17 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	QIYBGJPX.VOG	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	17 April, 2024	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2021-03-07	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: 7ALK8YVQFN6X4U_8/_08US7 . 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: 7ALK8YVQFN6X4U_8/_08US7. 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 7ALK8YVQFN6X4U_8/_08US7 LEVEL OF COVER Silver DATE OF ISSUE 02 August, 2020 COVER PERIOD 2025-02-25 to Tue 13 August, 2024 EXCESS* £0 ADDRESS 070 Humphreys court Lake Damienbury EN21 6XXYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Frederick Mitchell 2021-04-12 DESTINATIONS COVERED Ireland OPTIONAL COVER ADDED Excess Waiver £861.00 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 24/10/22 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 02 August, 2020 TRAVEL INSURANCE COVID-19 LETTER: 7ALK8YVQFN6X4U_8/_08US7 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: 7ALK8YVQFN6X4U_8/_08US7 Insured Persons: Frederick Mitchell (2021-04-12) Insured Address: 070 Humphreys court Lake Damienbury , EN21 6XX , United Kingdom Policy V alid: 2025-02-25 to Tue 13 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	7ALK8YVQFN6X4U_8/_08US7	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Tue 13 August, 2024	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2025-02-25	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: 0D/6SRUROXF__19 . 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: 0D/6SRUROXF__19. 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 0D/6SRUROXF__19 LEVEL OF COVER Silver DATE OF ISSUE 13/05/2020 COVER PERIOD 26/06/25 to 09/07/2020 EXCESS* £0 ADDRESS 949 Chapman falls Phillipsstad G27 0XXYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Chelsea Bibi 05 May, 2023 DESTINATIONS COVERED Lebanon OPTIONAL COVER ADDED Excess Waiver £3,650.75 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 09 July, 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 13/05/2020 TRAVEL INSURANCE COVID-19 LETTER: 0D/6SRUROXF__19 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: 0D/6SRUROXF__19 Insured Persons: Chelsea Bibi (05 May, 2023) Insured Address: 949 Chapman falls Phillipsstad , G27 0XX , United Kingdom Policy V alid: 26/06/25 to 09/07/2020 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	0D/6SRUROXF__19	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	09/07/2020	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	26/06/25	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: 9TJ5UJUHQ6ERAX . 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: 9TJ5UJUHQ6ERAX. 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 9TJ5UJUHQ6ERAX LEVEL OF COVER Silver DATE OF ISSUE 2019-04-21 COVER PERIOD Sun 01 September, 2019 to 01/05/22 EXCESS* £0 ADDRESS Flat 77 Ross row Jacquelinefort BT7 3FUYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Jemma Sanders 02/01/2026 DESTINATIONS COVERED Zimbabwe OPTIONAL COVER ADDED Excess Waiver £5,870.23 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 May, 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 2019-04-21 TRAVEL INSURANCE COVID-19 LETTER: 9TJ5UJUHQ6ERAX 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: 9TJ5UJUHQ6ERAX Insured Persons: Jemma Sanders (02/01/2026) Insured Address: Flat 77 Ross row Jacquelinefort , BT7 3FU , United Kingdom Policy V alid: Sun 01 September, 2019 to 01/05/22 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	9TJ5UJUHQ6ERAX	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	01/05/22	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Sun 01 September, 2019	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: SKEY4AZ . 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: SKEY4AZ. 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 SKEY4AZ LEVEL OF COVER Silver DATE OF ISSUE Monday 09 September, 2019 COVER PERIOD 02 July, 2024 to 10 September, 2019 EXCESS* £0 ADDRESS Studio 4 Harriet key South Lauren G4 8WLYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Darren Jones 10/10/2019 DESTINATIONS COVERED Latvia OPTIONAL COVER ADDED Excess Waiver £9,447.17 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 2020-10-07 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 Monday 09 September, 2019 TRAVEL INSURANCE COVID-19 LETTER: SKEY4AZ 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: SKEY4AZ Insured Persons: Darren Jones (10/10/2019) Insured Address: Studio 4 Harriet key South Lauren , G4 8WL , United Kingdom Policy V alid: 02 July, 2024 to 10 September, 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	SKEY4AZ	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	10 September, 2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	02 July, 2024	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: 3YXWW-177NZWCJ-3T.KN . 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: 3YXWW-177NZWCJ-3T.KN. 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 3YXWW-177NZWCJ-3T.KN LEVEL OF COVER Silver DATE OF ISSUE 04/05/22 COVER PERIOD Wed 12 November, 2025 to 30/04/19 EXCESS* £0 ADDRESS 34 Reid crossing Khanbury HP61 5YUYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Josh Wilkinson 03 October, 2021 DESTINATIONS COVERED Luxembourg OPTIONAL COVER ADDED Excess Waiver £6,748.24 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 15 August, 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 04/05/22 TRAVEL INSURANCE COVID-19 LETTER: 3YXWW-177NZWCJ-3T.KN 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: 3YXWW-177NZWCJ-3T.KN Insured Persons: Dr Josh Wilkinson (03 October, 2021) Insured Address: 34 Reid crossing Khanbury , HP61 5YU , United Kingdom Policy V alid: Wed 12 November, 2025 to 30/04/19 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	3YXWW-177NZWCJ-3T.KN	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	30/04/19	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Wed 12 November, 2025	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: GJ1UYMCIN4 . 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: GJ1UYMCIN4. 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 GJ1UYMCIN4 LEVEL OF COVER Silver DATE OF ISSUE 02/07/23 COVER PERIOD 12/01/24 to 2020-08-16 EXCESS* £0 ADDRESS 2 Metcalfe ridges North Maxside IG2 0QGYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Ms Carolyn Stevens 08/10/2022 DESTINATIONS COVERED Pakistan OPTIONAL COVER ADDED Excess Waiver £7,126.05 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 Sat 27 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 02/07/23 TRAVEL INSURANCE COVID-19 LETTER: GJ1UYMCIN4 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: GJ1UYMCIN4 Insured Persons: Ms Carolyn Stevens (08/10/2022) Insured Address: 2 Metcalfe ridges North Maxside , IG2 0QG , United Kingdom Policy V alid: 12/01/24 to 2020-08-16 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	GJ1UYMCIN4	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2020-08-16	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	12/01/24	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: UBMZV/XNZ8T-FCDD . 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: UBMZV/XNZ8T-FCDD. 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 UBMZV/XNZ8T-FCDD LEVEL OF COVER Silver DATE OF ISSUE 28/04/24 COVER PERIOD 06/12/21 to 16/03/24 EXCESS* £0 ADDRESS 914 Shaun village Carolinestad CF2 7QEYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Sharon Talbot 18/08/19 DESTINATIONS COVERED Thailand OPTIONAL COVER ADDED Excess Waiver £2,595.21 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 24/08/2022 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 28/04/24 TRAVEL INSURANCE COVID-19 LETTER: UBMZV/XNZ8T-FCDD 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: UBMZV/XNZ8T-FCDD Insured Persons: Sharon Talbot (18/08/19) Insured Address: 914 Shaun village Carolinestad , CF2 7QE , United Kingdom Policy V alid: 06/12/21 to 16/03/24 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	UBMZV/XNZ8T-FCDD	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	16/03/24	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	06/12/21	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: CET7A4D2M0 . 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: CET7A4D2M0. 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 CET7A4D2M0 LEVEL OF COVER Silver DATE OF ISSUE Tue 14 November, 2023 COVER PERIOD 02 May, 2022 to 08 November, 2021 EXCESS* £0 ADDRESS Studio 5 Douglas way Potterstad NP41 0RWYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.William Goddard 17 May, 2025 DESTINATIONS COVERED Turkmenistan OPTIONAL COVER ADDED Excess Waiver £584.11 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 Wednesday 13 October, 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 Tue 14 November, 2023 TRAVEL INSURANCE COVID-19 LETTER: CET7A4D2M0 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: CET7A4D2M0 Insured Persons: William Goddard (17 May, 2025) Insured Address: Studio 5 Douglas way Potterstad , NP41 0RW , United Kingdom Policy V alid: 02 May, 2022 to 08 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	CET7A4D2M0	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	08 November, 2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	02 May, 2022	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: xpqnwnnadafwrwb_kste_ . 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: xpqnwnnadafwrwb_kste_. 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 xpqnwnnadafwrwb_kste_ LEVEL OF COVER Silver DATE OF ISSUE 2024-02-03 COVER PERIOD Thursday 15 July, 2021 to 20 June, 2019 EXCESS* £0 ADDRESS Flat 2 Hammond coves West Oliverport L7C 3HFYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Debra Morris 11 August, 2019 DESTINATIONS COVERED Puerto Rico OPTIONAL COVER ADDED Excess Waiver £1,991.39 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 Wed 11 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 2024-02-03 TRAVEL INSURANCE COVID-19 LETTER: xpqnwnnadafwrwb_kste_ 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: xpqnwnnadafwrwb_kste_ Insured Persons: Debra Morris (11 August, 2019) Insured Address: Flat 2 Hammond coves West Oliverport , L7C 3HF , United Kingdom Policy V alid: Thursday 15 July, 2021 to 20 June, 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	xpqnwnnadafwrwb_kste_	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	20 June, 2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Thursday 15 July, 2021	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: KKMYEAUEGSHUJ/J . 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: KKMYEAUEGSHUJ/J. 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 KKMYEAUEGSHUJ/J LEVEL OF COVER Silver DATE OF ISSUE 2024-07-11 COVER PERIOD 2023-03-06 to 2025-03-04 EXCESS* £0 ADDRESS 1 Kerry ranch Chloeburgh BA1V 4PSYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mrs Holly Harris Fri 01 September, 2023 DESTINATIONS COVERED Niue OPTIONAL COVER ADDED Excess Waiver £689.91 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 11 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 2024-07-11 TRAVEL INSURANCE COVID-19 LETTER: KKMYEAUEGSHUJ/J 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: KKMYEAUEGSHUJ/J Insured Persons: Mrs Holly Harris (Fri 01 September, 2023) Insured Address: 1 Kerry ranch Chloeburgh , BA1V 4PS , United Kingdom Policy V alid: 2023-03-06 to 2025-03-04 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	KKMYEAUEGSHUJ/J	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2025-03-04	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2023-03-06	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: 25UT6A7K . 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: 25UT6A7K. 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 25UT6A7K LEVEL OF COVER Silver DATE OF ISSUE 22/06/21 COVER PERIOD 14/10/2021 to 2025-11-11 EXCESS* £0 ADDRESS 46 Martin freeway West Dannybury LU3B 0RDYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Margaret Steele 2021-12-22 DESTINATIONS COVERED Germany OPTIONAL COVER ADDED Excess Waiver £8,448.46 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 2020-05-05 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 22/06/21 TRAVEL INSURANCE COVID-19 LETTER: 25UT6A7K 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: 25UT6A7K Insured Persons: Margaret Steele (2021-12-22) Insured Address: 46 Martin freeway West Dannybury , LU3B 0RD , United Kingdom Policy V alid: 14/10/2021 to 2025-11-11 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	25UT6A7K	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2025-11-11	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	14/10/2021	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: H25EYQR9YNYSTP/ATH . 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: H25EYQR9YNYSTP/ATH. 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 H25EYQR9YNYSTP/ATH LEVEL OF COVER Silver DATE OF ISSUE 18/07/2025 COVER PERIOD 30 January, 2021 to 02/12/23 EXCESS* £0 ADDRESS Flat 3 Lynn inlet East Joelfurt L0 9ULYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Gordon Cunningham 22 March, 2025 DESTINATIONS COVERED Saint Lucia OPTIONAL COVER ADDED Excess Waiver £8,130.29 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 10/12/25 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 18/07/2025 TRAVEL INSURANCE COVID-19 LETTER: H25EYQR9YNYSTP/ATH 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: H25EYQR9YNYSTP/ATH Insured Persons: Gordon Cunningham (22 March, 2025) Insured Address: Flat 3 Lynn inlet East Joelfurt , L0 9UL , United Kingdom Policy V alid: 30 January, 2021 to 02/12/23 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	H25EYQR9YNYSTP/ATH	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	02/12/23	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	30 January, 2021	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: fdrnj/jd . 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: fdrnj/jd. 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 fdrnj/jd LEVEL OF COVER Silver DATE OF ISSUE 26/07/2023 COVER PERIOD Sun 04 June, 2023 to 19 December, 2020 EXCESS* £0 ADDRESS 790 Jones islands Phillipfort W26 1DDYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Suzanne Watts Sat 18 January, 2025 DESTINATIONS COVERED United States of America OPTIONAL COVER ADDED Excess Waiver £1,422.06 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 Friday 26 December, 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 26/07/2023 TRAVEL INSURANCE COVID-19 LETTER: fdrnj/jd 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: fdrnj/jd Insured Persons: Suzanne Watts (Sat 18 January, 2025) Insured Address: 790 Jones islands Phillipfort , W26 1DD , United Kingdom Policy V alid: Sun 04 June, 2023 to 19 December, 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	fdrnj/jd	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	19 December, 2020	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Sun 04 June, 2023	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: IJDN5//W/0HO/6/4C . 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: IJDN5//W/0HO/6/4C. 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 IJDN5//W/0HO/6/4C LEVEL OF COVER Silver DATE OF ISSUE 07/02/2025 COVER PERIOD 13/06/2022 to 19 June, 2022 EXCESS* £0 ADDRESS Studio 7 Thornton crossing East Jacobberg TW6 3YYYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Robert Hale 15/02/24 DESTINATIONS COVERED Antigua and Barbuda OPTIONAL COVER ADDED Excess Waiver £793.92 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 Wed 19 October, 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 07/02/2025 TRAVEL INSURANCE COVID-19 LETTER: IJDN5//W/0HO/6/4C 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: IJDN5//W/0HO/6/4C Insured Persons: Robert Hale (15/02/24) Insured Address: Studio 7 Thornton crossing East Jacobberg , TW6 3YY , United Kingdom Policy V alid: 13/06/2022 to 19 June, 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	IJDN5//W/0HO/6/4C	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	19 June, 2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	13/06/2022	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: RXJ.7U7LKD/V850FM . 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: RXJ.7U7LKD/V850FM. 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 RXJ.7U7LKD/V850FM LEVEL OF COVER Silver DATE OF ISSUE 18/06/24 COVER PERIOD Wed 03 December, 2025 to Sunday 23 October, 2022 EXCESS* £0 ADDRESS 10 Ian bridge Spencerport S0B 2BUYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Francis Thomas 13/09/2021 DESTINATIONS COVERED Jersey OPTIONAL COVER ADDED Excess Waiver £9,221.32 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 10/05/22 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 18/06/24 TRAVEL INSURANCE COVID-19 LETTER: RXJ.7U7LKD/V850FM 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: RXJ.7U7LKD/V850FM Insured Persons: Francis Thomas (13/09/2021) Insured Address: 10 Ian bridge Spencerport , S0B 2BU , United Kingdom Policy V alid: Wed 03 December, 2025 to Sunday 23 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	RXJ.7U7LKD/V850FM	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Sunday 23 October, 2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Wed 03 December, 2025	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: pfnsgr.rcixandgtfewexof . 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: pfnsgr.rcixandgtfewexof. 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 pfnsgr.rcixandgtfewexof LEVEL OF COVER Silver DATE OF ISSUE 14/06/2021 COVER PERIOD 10/05/19 to 19/02/2024 EXCESS* £0 ADDRESS Flat 29c Cooper street Lake Jadeland B2K 9XNYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Wendy Taylor 23 April, 2019 DESTINATIONS COVERED Maldives OPTIONAL COVER ADDED Excess Waiver £6,787.42 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 01 January, 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 14/06/2021 TRAVEL INSURANCE COVID-19 LETTER: pfnsgr.rcixandgtfewexof 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: pfnsgr.rcixandgtfewexof Insured Persons: Wendy Taylor (23 April, 2019) Insured Address: Flat 29c Cooper street Lake Jadeland , B2K 9XN , United Kingdom Policy V alid: 10/05/19 to 19/02/2024 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	pfnsgr.rcixandgtfewexof	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	19/02/2024	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	10/05/19	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: 4VC9_PLGA844R_--U1S9N . 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: 4VC9_PLGA844R_--U1S9N. 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 4VC9_PLGA844R_--U1S9N LEVEL OF COVER Silver DATE OF ISSUE Wednesday 04 September, 2024 COVER PERIOD 17/11/22 to Sat 29 January, 2022 EXCESS* £0 ADDRESS 2 Chambers highway West Garry GU03 8TRYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Gail Doyle Wednesday 19 June, 2024 DESTINATIONS COVERED Angola OPTIONAL COVER ADDED Excess Waiver £3,954.48 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 30 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 Wednesday 04 September, 2024 TRAVEL INSURANCE COVID-19 LETTER: 4VC9_PLGA844R_--U1S9N 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: 4VC9_PLGA844R_--U1S9N Insured Persons: Gail Doyle (Wednesday 19 June, 2024) Insured Address: 2 Chambers highway West Garry , GU03 8TR , United Kingdom Policy V alid: 17/11/22 to Sat 29 January, 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	4VC9_PLGA844R_--U1S9N	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Sat 29 January, 2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	17/11/22	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: 7AX8YW5AKOPK . 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: 7AX8YW5AKOPK. 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 7AX8YW5AKOPK LEVEL OF COVER Silver DATE OF ISSUE 08/05/2022 COVER PERIOD Saturday 01 May, 2021 to Mon 29 January, 2024 EXCESS* £0 ADDRESS 600 Ward point Scottberg E88 8WFYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Paige Johnson Sun 02 June, 2019 DESTINATIONS COVERED Somalia OPTIONAL COVER ADDED Excess Waiver £1,800.03 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 25/07/21 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 08/05/2022 TRAVEL INSURANCE COVID-19 LETTER: 7AX8YW5AKOPK 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: 7AX8YW5AKOPK Insured Persons: Paige Johnson (Sun 02 June, 2019) Insured Address: 600 Ward point Scottberg , E88 8WF , United Kingdom Policy V alid: Saturday 01 May, 2021 to Mon 29 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	7AX8YW5AKOPK	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Mon 29 January, 2024	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Saturday 01 May, 2021	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: 8C14YD/D86EP9RP_KWLE2YS9 . 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: 8C14YD/D86EP9RP_KWLE2YS9. 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 8C14YD/D86EP9RP_KWLE2YS9 LEVEL OF COVER Silver DATE OF ISSUE 15 November, 2025 COVER PERIOD 25 December, 2019 to Sun 15 June, 2025 EXCESS* £0 ADDRESS 6 Ryan spur Hussainfort E90 7BUYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mrs Maria Hayes 31 August, 2022 DESTINATIONS COVERED Denmark OPTIONAL COVER ADDED Excess Waiver £7,651.69 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 04/06/2024 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 15 November, 2025 TRAVEL INSURANCE COVID-19 LETTER: 8C14YD/D86EP9RP_KWLE2YS9 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: 8C14YD/D86EP9RP_KWLE2YS9 Insured Persons: Mrs Maria Hayes (31 August, 2022) Insured Address: 6 Ryan spur Hussainfort , E90 7BU , United Kingdom Policy V alid: 25 December, 2019 to Sun 15 June, 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	8C14YD/D86EP9RP_KWLE2YS9	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Sun 15 June, 2025	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	25 December, 2019	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: YXDVY//ZI . 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: YXDVY//ZI. 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 YXDVY//ZI LEVEL OF COVER Silver DATE OF ISSUE 22/03/19 COVER PERIOD 07/08/24 to 29/03/2023 EXCESS* £0 ADDRESS 62 Leon stream East Grace G7 3NUYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.June Holmes Tuesday 02 September, 2025 DESTINATIONS COVERED Slovenia OPTIONAL COVER ADDED Excess Waiver £2,751.73 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 21/09/19 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 22/03/19 TRAVEL INSURANCE COVID-19 LETTER: YXDVY//ZI 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: YXDVY//ZI Insured Persons: June Holmes (Tuesday 02 September, 2025) Insured Address: 62 Leon stream East Grace , G7 3NU , United Kingdom Policy V alid: 07/08/24 to 29/03/2023 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	YXDVY//ZI	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	29/03/2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	07/08/24	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: czthn_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: czthn_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 czthn_c LEVEL OF COVER Silver DATE OF ISSUE 2020-02-15 COVER PERIOD Saturday 27 June, 2020 to 2024-10-31 EXCESS* £0 ADDRESS 00 Haynes mall North Louiseshire L7B 5QYYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Jean Burke Sunday 24 March, 2019 DESTINATIONS COVERED Ghana OPTIONAL COVER ADDED Excess Waiver £5,696.91 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 2020-04-16 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 2020-02-15 TRAVEL INSURANCE COVID-19 LETTER: czthn_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: czthn_c Insured Persons: Jean Burke (Sunday 24 March, 2019) Insured Address: 00 Haynes mall North Louiseshire , L7B 5QY , United Kingdom Policy V alid: Saturday 27 June, 2020 to 2024-10-31 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	czthn_c	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2024-10-31	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Saturday 27 June, 2020	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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_xmh_ulwocwbunr . 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_xmh_ulwocwbunr. 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_xmh_ulwocwbunr LEVEL OF COVER Silver DATE OF ISSUE Thursday 09 May, 2019 COVER PERIOD 15/07/2022 to 19/05/2024 EXCESS* £0 ADDRESS Flat 41 Zoe falls Lake Josh L5U 2RWYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Daniel Barton 21 December, 2022 DESTINATIONS COVERED Zambia OPTIONAL COVER ADDED Excess Waiver £9,749.90 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 28/05/2022 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 Thursday 09 May, 2019 TRAVEL INSURANCE COVID-19 LETTER: q_xmh_ulwocwbunr 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_xmh_ulwocwbunr Insured Persons: Daniel Barton (21 December, 2022) Insured Address: Flat 41 Zoe falls Lake Josh , L5U 2RW , United Kingdom Policy V alid: 15/07/2022 to 19/05/2024 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	q_xmh_ulwocwbunr	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	19/05/2024	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	15/07/2022	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: 0EB6Z7WE0W.V8413046/XWTB7 . 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: 0EB6Z7WE0W.V8413046/XWTB7. 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 0EB6Z7WE0W.V8413046/XWTB7 LEVEL OF COVER Silver DATE OF ISSUE Friday 23 January, 2026 COVER PERIOD 2020-07-14 to Tue 13 May, 2025 EXCESS* £0 ADDRESS 428 Joan extension South Robinside NP28 7JHYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Ross Jones Friday 16 February, 2024 DESTINATIONS COVERED China OPTIONAL COVER ADDED Excess Waiver £1,787.90 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 10 June, 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 Friday 23 January, 2026 TRAVEL INSURANCE COVID-19 LETTER: 0EB6Z7WE0W.V8413046/XWTB7 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: 0EB6Z7WE0W.V8413046/XWTB7 Insured Persons: Ross Jones (Friday 16 February, 2024) Insured Address: 428 Joan extension South Robinside , NP28 7JH , United Kingdom Policy V alid: 2020-07-14 to Tue 13 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	0EB6Z7WE0W.V8413046/XWTB7	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Tue 13 May, 2025	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2020-07-14	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: LQR51VKUQT56XV5YEVS2RNS25 . 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: LQR51VKUQT56XV5YEVS2RNS25. 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 LQR51VKUQT56XV5YEVS2RNS25 LEVEL OF COVER Silver DATE OF ISSUE 08/01/25 COVER PERIOD 13/02/2023 to 03/06/25 EXCESS* £0 ADDRESS Studio 36k Jane light Morrisshire WN09 5FRYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Miss Abigail Stanley 31 July, 2021 DESTINATIONS COVERED Romania OPTIONAL COVER ADDED Excess Waiver £9,789.61 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 05/03/2021 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 08/01/25 TRAVEL INSURANCE COVID-19 LETTER: LQR51VKUQT56XV5YEVS2RNS25 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: LQR51VKUQT56XV5YEVS2RNS25 Insured Persons: Miss Abigail Stanley (31 July, 2021) Insured Address: Studio 36k Jane light Morrisshire , WN09 5FR , United Kingdom Policy V alid: 13/02/2023 to 03/06/25 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	LQR51VKUQT56XV5YEVS2RNS25	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	03/06/25	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	13/02/2023	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: 4K/LV/WSF4B/5MT . 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: 4K/LV/WSF4B/5MT. 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 4K/LV/WSF4B/5MT LEVEL OF COVER Silver DATE OF ISSUE 11/11/2024 COVER PERIOD 2020-10-15 to 06 August, 2020 EXCESS* £0 ADDRESS Studio 0 Owen courts Jayfort MK9V 6YJYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Gordon Ward 04/11/20 DESTINATIONS COVERED Eritrea OPTIONAL COVER ADDED Excess Waiver £4,380.16 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 2022-10-06 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 11/11/2024 TRAVEL INSURANCE COVID-19 LETTER: 4K/LV/WSF4B/5MT 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: 4K/LV/WSF4B/5MT Insured Persons: Dr Gordon Ward (04/11/20) Insured Address: Studio 0 Owen courts Jayfort , MK9V 6YJ , United Kingdom Policy V alid: 2020-10-15 to 06 August, 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	4K/LV/WSF4B/5MT	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	06 August, 2020	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2020-10-15	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: KYCQVEOBHOQ_IV.VJOBUOO . 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: KYCQVEOBHOQ_IV.VJOBUOO. 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 KYCQVEOBHOQ_IV.VJOBUOO LEVEL OF COVER Silver DATE OF ISSUE 2022-10-09 COVER PERIOD Sat 06 July, 2024 to Sun 30 March, 2025 EXCESS* £0 ADDRESS Studio 4 Welch cliffs Jonesstad B3B 8EDYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mrs Nicola Taylor 12/09/2025 DESTINATIONS COVERED Sri Lanka OPTIONAL COVER ADDED Excess Waiver £6,001.05 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 2024-04-19 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 2022-10-09 TRAVEL INSURANCE COVID-19 LETTER: KYCQVEOBHOQ_IV.VJOBUOO 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: KYCQVEOBHOQ_IV.VJOBUOO Insured Persons: Mrs Nicola Taylor (12/09/2025) Insured Address: Studio 4 Welch cliffs Jonesstad , B3B 8ED , United Kingdom Policy V alid: Sat 06 July, 2024 to Sun 30 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	KYCQVEOBHOQ_IV.VJOBUOO	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Sun 30 March, 2025	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Sat 06 July, 2024	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: 8BTGLZ5J/1FA1MATZOTW7N . 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: 8BTGLZ5J/1FA1MATZOTW7N. 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 8BTGLZ5J/1FA1MATZOTW7N LEVEL OF COVER Silver DATE OF ISSUE 2019-11-07 COVER PERIOD Tue 16 July, 2024 to 19/06/24 EXCESS* £0 ADDRESS 231 Daniel flat Kirktown DH76 2AJYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Aaron Chadwick Wednesday 22 September, 2021 DESTINATIONS COVERED Greenland OPTIONAL COVER ADDED Excess Waiver £6,316.75 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 30/01/24 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 2019-11-07 TRAVEL INSURANCE COVID-19 LETTER: 8BTGLZ5J/1FA1MATZOTW7N 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: 8BTGLZ5J/1FA1MATZOTW7N Insured Persons: Aaron Chadwick (Wednesday 22 September, 2021) Insured Address: 231 Daniel flat Kirktown , DH76 2AJ , United Kingdom Policy V alid: Tue 16 July, 2024 to 19/06/24 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	8BTGLZ5J/1FA1MATZOTW7N	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	19/06/24	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Tue 16 July, 2024	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: EG7Q/U/8RXA5_F14H9/I.S2 . 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: EG7Q/U/8RXA5_F14H9/I.S2. 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 EG7Q/U/8RXA5_F14H9/I.S2 LEVEL OF COVER Silver DATE OF ISSUE 16/08/2021 COVER PERIOD Sat 07 September, 2024 to 17/07/25 EXCESS* £0 ADDRESS 0 Hill wall New Terence PA2 2BPYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Deborah Williams Sunday 03 August, 2025 DESTINATIONS COVERED Palau OPTIONAL COVER ADDED Excess Waiver £4,397.81 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 04/05/24 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 16/08/2021 TRAVEL INSURANCE COVID-19 LETTER: EG7Q/U/8RXA5_F14H9/I.S2 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: EG7Q/U/8RXA5_F14H9/I.S2 Insured Persons: Deborah Williams (Sunday 03 August, 2025) Insured Address: 0 Hill wall New Terence , PA2 2BP , United Kingdom Policy V alid: Sat 07 September, 2024 to 17/07/25 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	EG7Q/U/8RXA5_F14H9/I.S2	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	17/07/25	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Sat 07 September, 2024	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: 8I9R2.3TO4C . 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: 8I9R2.3TO4C. 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 8I9R2.3TO4C LEVEL OF COVER Silver DATE OF ISSUE Fri 18 December, 2020 COVER PERIOD 2021-07-02 to 05/08/2025 EXCESS* £0 ADDRESS Flat 3 Spencer route Port Sharon M5F 3LYYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Alan Rowe Wednesday 24 August, 2022 DESTINATIONS COVERED Turks and Caicos Islands OPTIONAL COVER ADDED Excess Waiver £2,506.98 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 Thu 12 September, 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 Fri 18 December, 2020 TRAVEL INSURANCE COVID-19 LETTER: 8I9R2.3TO4C 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: 8I9R2.3TO4C Insured Persons: Alan Rowe (Wednesday 24 August, 2022) Insured Address: Flat 3 Spencer route Port Sharon , M5F 3LY , United Kingdom Policy V alid: 2021-07-02 to 05/08/2025 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	8I9R2.3TO4C	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	05/08/2025	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2021-07-02	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: mm_./rahoq-hugnqhfyv . 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: mm_./rahoq-hugnqhfyv. 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 mm_./rahoq-hugnqhfyv LEVEL OF COVER Silver DATE OF ISSUE 2022-06-17 COVER PERIOD Tuesday 20 August, 2019 to 14 August, 2021 EXCESS* £0 ADDRESS 33 Gordon turnpike Allenview L0 8YJYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Ricky Baker Monday 26 July, 2021 DESTINATIONS COVERED French Southern Territories OPTIONAL COVER ADDED Excess Waiver £265.27 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 20/10/24 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 2022-06-17 TRAVEL INSURANCE COVID-19 LETTER: mm_./rahoq-hugnqhfyv 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: mm_./rahoq-hugnqhfyv Insured Persons: Ricky Baker (Monday 26 July, 2021) Insured Address: 33 Gordon turnpike Allenview , L0 8YJ , United Kingdom Policy V alid: Tuesday 20 August, 2019 to 14 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	mm_./rahoq-hugnqhfyv	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	14 August, 2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Tuesday 20 August, 2019	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: GQ/23_WVHWN-ADG . 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: GQ/23_WVHWN-ADG. 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 GQ/23_WVHWN-ADG LEVEL OF COVER Silver DATE OF ISSUE 28/11/21 COVER PERIOD 2020-12-30 to 18/08/2023 EXCESS* £0 ADDRESS Flat 78 Lucy plains South Ricky W0 9BPYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Keith French Thursday 02 March, 2023 DESTINATIONS COVERED Puerto Rico OPTIONAL COVER ADDED Excess Waiver £2,838.04 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 Tuesday 17 September, 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 28/11/21 TRAVEL INSURANCE COVID-19 LETTER: GQ/23_WVHWN-ADG 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: GQ/23_WVHWN-ADG Insured Persons: Keith French (Thursday 02 March, 2023) Insured Address: Flat 78 Lucy plains South Ricky , W0 9BP , United Kingdom Policy V alid: 2020-12-30 to 18/08/2023 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	GQ/23_WVHWN-ADG	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	18/08/2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2020-12-30	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: VRSMLZ3 . 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: VRSMLZ3. 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 VRSMLZ3 LEVEL OF COVER Silver DATE OF ISSUE Friday 12 November, 2021 COVER PERIOD Fri 06 December, 2019 to 14 December, 2021 EXCESS* £0 ADDRESS Studio 40 Johnson isle Williamsmouth E9U 9DJYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Patricia Morgan 11 June, 2023 DESTINATIONS COVERED Sao Tome and Principe OPTIONAL COVER ADDED Excess Waiver £7,625.00 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 18 August, 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 Friday 12 November, 2021 TRAVEL INSURANCE COVID-19 LETTER: VRSMLZ3 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: VRSMLZ3 Insured Persons: Patricia Morgan (11 June, 2023) Insured Address: Studio 40 Johnson isle Williamsmouth , E9U 9DJ , United Kingdom Policy V alid: Fri 06 December, 2019 to 14 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	VRSMLZ3	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	14 December, 2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Fri 06 December, 2019	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: swaiwk_ijql.gwo.mgzwur . 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: swaiwk_ijql.gwo.mgzwur. 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 swaiwk_ijql.gwo.mgzwur LEVEL OF COVER Silver DATE OF ISSUE 05/04/2022 COVER PERIOD Wed 21 January, 2026 to Sat 20 July, 2019 EXCESS* £0 ADDRESS 3 Owens run South Carolinestad CH1 9QUYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Danielle Miller 19 August, 2023 DESTINATIONS COVERED Greece OPTIONAL COVER ADDED Excess Waiver £8,767.17 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 Wed 05 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 05/04/2022 TRAVEL INSURANCE COVID-19 LETTER: swaiwk_ijql.gwo.mgzwur 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: swaiwk_ijql.gwo.mgzwur Insured Persons: Danielle Miller (19 August, 2023) Insured Address: 3 Owens run South Carolinestad , CH1 9QU , United Kingdom Policy V alid: Wed 21 January, 2026 to Sat 20 July, 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	swaiwk_ijql.gwo.mgzwur	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Sat 20 July, 2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Wed 21 January, 2026	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: 2DEYEU1_FSBGLKP2RC4V9JNP . 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: 2DEYEU1_FSBGLKP2RC4V9JNP. 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 2DEYEU1_FSBGLKP2RC4V9JNP LEVEL OF COVER Silver DATE OF ISSUE 06/10/25 COVER PERIOD 20/08/23 to 28 December, 2019 EXCESS* £0 ADDRESS Flat 61r Duncan crossroad East Ricky WV01 8GGYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Duncan Jenkins Thu 07 March, 2024 DESTINATIONS COVERED Yemen OPTIONAL COVER ADDED Excess Waiver £5,357.53 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 2025-09-24 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 06/10/25 TRAVEL INSURANCE COVID-19 LETTER: 2DEYEU1_FSBGLKP2RC4V9JNP 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: 2DEYEU1_FSBGLKP2RC4V9JNP Insured Persons: Duncan Jenkins (Thu 07 March, 2024) Insured Address: Flat 61r Duncan crossroad East Ricky , WV01 8GG , United Kingdom Policy V alid: 20/08/23 to 28 December, 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	2DEYEU1_FSBGLKP2RC4V9JNP	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	28 December, 2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	20/08/23	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: 7ONL-YQMZO . 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: 7ONL-YQMZO. 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 7ONL-YQMZO LEVEL OF COVER Silver DATE OF ISSUE 2020-09-22 COVER PERIOD 07/07/2020 to 2021-05-20 EXCESS* £0 ADDRESS 41 Smith island New Joelville B3 0WHYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Elaine Morrison Saturday 31 January, 2026 DESTINATIONS COVERED Guinea-Bissau OPTIONAL COVER ADDED Excess Waiver £4,288.70 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 Wed 10 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 2020-09-22 TRAVEL INSURANCE COVID-19 LETTER: 7ONL-YQMZO 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: 7ONL-YQMZO Insured Persons: Elaine Morrison (Saturday 31 January, 2026) Insured Address: 41 Smith island New Joelville , B3 0WH , United Kingdom Policy V alid: 07/07/2020 to 2021-05-20 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	7ONL-YQMZO	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2021-05-20	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	07/07/2020	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: IWDNKLYBYM . 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: IWDNKLYBYM. 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 IWDNKLYBYM LEVEL OF COVER Silver DATE OF ISSUE Mon 04 November, 2024 COVER PERIOD 2020-01-25 to Sun 29 October, 2023 EXCESS* £0 ADDRESS 6 Judith dale Russellburgh BN5 4ANYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Bryan Coleman 2024-09-08 DESTINATIONS COVERED Malawi OPTIONAL COVER ADDED Excess Waiver £7,587.27 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 Sunday 20 September, 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 Mon 04 November, 2024 TRAVEL INSURANCE COVID-19 LETTER: IWDNKLYBYM 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: IWDNKLYBYM Insured Persons: Mr Bryan Coleman (2024-09-08) Insured Address: 6 Judith dale Russellburgh , BN5 4AN , United Kingdom Policy V alid: 2020-01-25 to Sun 29 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	IWDNKLYBYM	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Sun 29 October, 2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2020-01-25	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: LZJ_AAZZEUPZ . 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: LZJ_AAZZEUPZ. 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 LZJ_AAZZEUPZ LEVEL OF COVER Silver DATE OF ISSUE Sun 14 February, 2021 COVER PERIOD 29/03/2019 to 05 July, 2019 EXCESS* £0 ADDRESS 966 Knight neck South Jessica NR01 6GZYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Ashleigh Cook 10/06/24 DESTINATIONS COVERED Anguilla OPTIONAL COVER ADDED Excess Waiver £5,474.49 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 22/01/2024 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 Sun 14 February, 2021 TRAVEL INSURANCE COVID-19 LETTER: LZJ_AAZZEUPZ 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: LZJ_AAZZEUPZ Insured Persons: Ashleigh Cook (10/06/24) Insured Address: 966 Knight neck South Jessica , NR01 6GZ , United Kingdom Policy V alid: 29/03/2019 to 05 July, 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	LZJ_AAZZEUPZ	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	05 July, 2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	29/03/2019	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: ZZ8/_.UL..UDP_KK6V6Q/C.BS . 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: ZZ8/_.UL..UDP_KK6V6Q/C.BS. 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 ZZ8/_.UL..UDP_KK6V6Q/C.BS LEVEL OF COVER Silver DATE OF ISSUE 06 October, 2020 COVER PERIOD 2021-03-28 to 2020-02-16 EXCESS* £0 ADDRESS 013 Wood road West Stewartstad M3T 3GLYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Miss Bethan Harvey 24 January, 2022 DESTINATIONS COVERED Uzbekistan OPTIONAL COVER ADDED Excess Waiver £8,825.75 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 10 September, 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 06 October, 2020 TRAVEL INSURANCE COVID-19 LETTER: ZZ8/_.UL..UDP_KK6V6Q/C.BS 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: ZZ8/_.UL..UDP_KK6V6Q/C.BS Insured Persons: Miss Bethan Harvey (24 January, 2022) Insured Address: 013 Wood road West Stewartstad , M3T 3GL , United Kingdom Policy V alid: 2021-03-28 to 2020-02-16 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	ZZ8/_.UL..UDP_KK6V6Q/C.BS	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2020-02-16	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2021-03-28	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: ukf/tjibv.. . 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: ukf/tjibv... 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 ukf/tjibv.. LEVEL OF COVER Silver DATE OF ISSUE 21/10/23 COVER PERIOD 20 June, 2021 to 12 November, 2019 EXCESS* £0 ADDRESS Studio 56 Matthews course North Liam SO36 4FXYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Roy Pollard 09 April, 2024 DESTINATIONS COVERED Congo OPTIONAL COVER ADDED Excess Waiver £8,399.93 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 Monday 05 July, 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 21/10/23 TRAVEL INSURANCE COVID-19 LETTER: ukf/tjibv.. 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: ukf/tjibv.. Insured Persons: Mr Roy Pollard (09 April, 2024) Insured Address: Studio 56 Matthews course North Liam , SO36 4FX , United Kingdom Policy V alid: 20 June, 2021 to 12 November, 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	ukf/tjibv..	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	12 November, 2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	20 June, 2021	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: xbtpw//pjhxvl . 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: xbtpw//pjhxvl. 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 xbtpw//pjhxvl LEVEL OF COVER Silver DATE OF ISSUE 08 March, 2021 COVER PERIOD 02/05/21 to 26/03/22 EXCESS* £0 ADDRESS 534 Jay pines Colemanburgh PA3 8WDYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Charlie Cole-Collins Saturday 28 November, 2020 DESTINATIONS COVERED Andorra OPTIONAL COVER ADDED Excess Waiver £74.65 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 22/10/2021 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 March, 2021 TRAVEL INSURANCE COVID-19 LETTER: xbtpw//pjhxvl 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: xbtpw//pjhxvl Insured Persons: Charlie Cole-Collins (Saturday 28 November, 2020) Insured Address: 534 Jay pines Colemanburgh , PA3 8WD , United Kingdom Policy V alid: 02/05/21 to 26/03/22 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	xbtpw//pjhxvl	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	26/03/22	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	02/05/21	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: IKSR8XG6 . 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: IKSR8XG6. 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 IKSR8XG6 LEVEL OF COVER Silver DATE OF ISSUE 17 July, 2021 COVER PERIOD Sat 08 October, 2022 to 24 June, 2025 EXCESS* £0 ADDRESS Studio 77J Lawrence ford East Gordon FK87 1FLYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Oliver King 27/01/2022 DESTINATIONS COVERED Saudi Arabia OPTIONAL COVER ADDED Excess Waiver £9,606.28 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 October, 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 17 July, 2021 TRAVEL INSURANCE COVID-19 LETTER: IKSR8XG6 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: IKSR8XG6 Insured Persons: Oliver King (27/01/2022) Insured Address: Studio 77J Lawrence ford East Gordon , FK87 1FL , United Kingdom Policy V alid: Sat 08 October, 2022 to 24 June, 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	IKSR8XG6	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	24 June, 2025	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Sat 08 October, 2022	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: U.IHUHOZSH.SQC/PH. . 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: U.IHUHOZSH.SQC/PH.. 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 U.IHUHOZSH.SQC/PH. LEVEL OF COVER Silver DATE OF ISSUE Sat 28 January, 2023 COVER PERIOD 2022-06-07 to 14 March, 2022 EXCESS* £0 ADDRESS Studio 76c Sullivan neck Lawrenceland KY1R 3TRYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Ellie Palmer 2020-10-23 DESTINATIONS COVERED Norfolk Island OPTIONAL COVER ADDED Excess Waiver £1,918.64 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 2021-10-15 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 Sat 28 January, 2023 TRAVEL INSURANCE COVID-19 LETTER: U.IHUHOZSH.SQC/PH. 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: U.IHUHOZSH.SQC/PH. Insured Persons: Ellie Palmer (2020-10-23) Insured Address: Studio 76c Sullivan neck Lawrenceland , KY1R 3TR , United Kingdom Policy V alid: 2022-06-07 to 14 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	U.IHUHOZSH.SQC/PH.	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	14 March, 2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2022-06-07	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: 0JH/Q./RH-XP . 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: 0JH/Q./RH-XP. 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 0JH/Q./RH-XP LEVEL OF COVER Silver DATE OF ISSUE Monday 02 December, 2024 COVER PERIOD 2019-05-19 to Monday 26 June, 2023 EXCESS* £0 ADDRESS 1 Patel harbors Lewisborough N8T 5RHYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Lorraine Smith Wed 14 February, 2024 DESTINATIONS COVERED Montserrat OPTIONAL COVER ADDED Excess Waiver £2,017.44 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 05/03/19 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 Monday 02 December, 2024 TRAVEL INSURANCE COVID-19 LETTER: 0JH/Q./RH-XP 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: 0JH/Q./RH-XP Insured Persons: Dr Lorraine Smith (Wed 14 February, 2024) Insured Address: 1 Patel harbors Lewisborough , N8T 5RH , United Kingdom Policy V alid: 2019-05-19 to Monday 26 June, 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	0JH/Q./RH-XP	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Monday 26 June, 2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2019-05-19	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	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: N/.KJE5Y . 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: N/.KJE5Y. 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 N/.KJE5Y LEVEL OF COVER Silver DATE OF ISSUE 01/11/20 COVER PERIOD 25/04/21 to 29/05/25 EXCESS* £0 ADDRESS 10 Georgia viaduct East Danielburgh N9U 0ZZYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Elliott Burns 2020-10-24 DESTINATIONS COVERED Antarctica (the territory South of 60 deg S) OPTIONAL COVER ADDED Excess Waiver £3,310.99 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 Wednesday 19 July, 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 01/11/20 TRAVEL INSURANCE COVID-19 LETTER: N/.KJE5Y 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: N/.KJE5Y Insured Persons: Mr Elliott Burns (2020-10-24) Insured Address: 10 Georgia viaduct East Danielburgh , N9U 0ZZ , United Kingdom Policy V alid: 25/04/21 to 29/05/25 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	N/.KJE5Y	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	29/05/25	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	25/04/21	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02

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