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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: CWQ.FJBRS.SY . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: CWQ.FJBRS.SY. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 CWQ.FJBRS.SY LEVEL OF COVER Silver DATE OF ISSUE 2019-12-29 COVER PERIOD Mon 28 October, 2019 to 18/05/2025 EXCESS* £0 ADDRESS 5 Josephine mountain West Leahton E47 2ZLYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Jessica Taylor-Woods 30/12/22 DESTINATIONS COVERED Saudi Arabia OPTIONAL COVER ADDED Excess Waiver £7,703.88 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 Saturday 21 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 2019-12-29 TRAVEL INSURANCE COVID-19 LETTER: CWQ.FJBRS.SY 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: CWQ.FJBRS.SY Insured Persons: Jessica Taylor-Woods (30/12/22) Insured Address: 5 Josephine mountain West Leahton , E47 2ZL , United Kingdom Policy V alid: Mon 28 October, 2019 to 18/05/2025 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	CWQ.FJBRS.SY	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	18/05/2025	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Mon 28 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: BYCCXYXCGCSP . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: BYCCXYXCGCSP. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 BYCCXYXCGCSP LEVEL OF COVER Silver DATE OF ISSUE 2019-02-08 COVER PERIOD 14/04/2020 to 16 April, 2023 EXCESS* £0 ADDRESS Studio 96 Adam meadow Normanville RH9M 6XBYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Lindsey James-King 23/01/25 DESTINATIONS COVERED Saint Helena OPTIONAL COVER ADDED Excess Waiver £3,116.76 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 May, 2024 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2019-02-08 TRAVEL INSURANCE COVID-19 LETTER: BYCCXYXCGCSP 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: BYCCXYXCGCSP Insured Persons: Lindsey James-King (23/01/25) Insured Address: Studio 96 Adam meadow Normanville , RH9M 6XB , United Kingdom Policy V alid: 14/04/2020 to 16 April, 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	BYCCXYXCGCSP	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	16 April, 2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	14/04/2020	(?<=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: eluconbb/gnky . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: eluconbb/gnky. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 eluconbb/gnky LEVEL OF COVER Silver DATE OF ISSUE 15/12/2023 COVER PERIOD 2023-08-06 to Thursday 30 October, 2025 EXCESS* £0 ADDRESS Studio 6 Damien valleys North Terry M9 5GTYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Ms Josephine Quinn Sun 04 September, 2022 DESTINATIONS COVERED Tunisia OPTIONAL COVER ADDED Excess Waiver £3,618.29 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 04/07/2019 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 15/12/2023 TRAVEL INSURANCE COVID-19 LETTER: eluconbb/gnky 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: eluconbb/gnky Insured Persons: Ms Josephine Quinn (Sun 04 September, 2022) Insured Address: Studio 6 Damien valleys North Terry , M9 5GT , United Kingdom Policy V alid: 2023-08-06 to Thursday 30 October, 2025 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	eluconbb/gnky	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Thursday 30 October, 2025	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2023-08-06	(?<=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: XVB/MDVW/RSP . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: XVB/MDVW/RSP. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 XVB/MDVW/RSP LEVEL OF COVER Silver DATE OF ISSUE Mon 22 December, 2025 COVER PERIOD 23 April, 2020 to Sunday 16 February, 2025 EXCESS* £0 ADDRESS Studio 4 Malcolm spurs Huntborough PO2 5HRYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Ms Heather Barker Saturday 14 March, 2020 DESTINATIONS COVERED Romania OPTIONAL COVER ADDED Excess Waiver £745.24 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 Monday 10 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 Mon 22 December, 2025 TRAVEL INSURANCE COVID-19 LETTER: XVB/MDVW/RSP 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: XVB/MDVW/RSP Insured Persons: Ms Heather Barker (Saturday 14 March, 2020) Insured Address: Studio 4 Malcolm spurs Huntborough , PO2 5HR , United Kingdom Policy V alid: 23 April, 2020 to Sunday 16 February, 2025 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	XVB/MDVW/RSP	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Sunday 16 February, 2025	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	23 April, 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: 2GL5L2HS.SN . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: 2GL5L2HS.SN. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 2GL5L2HS.SN LEVEL OF COVER Silver DATE OF ISSUE Tue 08 April, 2025 COVER PERIOD 17/09/2019 to 03 May, 2024 EXCESS* £0 ADDRESS 8 Elliott viaduct Tomlinsonton S4 8UTYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Oliver Russell Tue 25 June, 2019 DESTINATIONS COVERED Timor-Leste OPTIONAL COVER ADDED Excess Waiver £9,610.60 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Sunday 29 December, 2019 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Tue 08 April, 2025 TRAVEL INSURANCE COVID-19 LETTER: 2GL5L2HS.SN 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: 2GL5L2HS.SN Insured Persons: Oliver Russell (Tue 25 June, 2019) Insured Address: 8 Elliott viaduct Tomlinsonton , S4 8UT , United Kingdom Policy V alid: 17/09/2019 to 03 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	2GL5L2HS.SN	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	03 May, 2024	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	17/09/2019	(?<=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: wv_fnfcu . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: wv_fnfcu. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 wv_fnfcu LEVEL OF COVER Silver DATE OF ISSUE Fri 09 August, 2024 COVER PERIOD 2022-12-16 to 15/07/22 EXCESS* £0 ADDRESS 2 Smith route Lake Jake SK3 2LEYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Marcus Summers Mon 06 November, 2023 DESTINATIONS COVERED Iran OPTIONAL COVER ADDED Excess Waiver £5,431.46 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 Saturday 08 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 Fri 09 August, 2024 TRAVEL INSURANCE COVID-19 LETTER: wv_fnfcu 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: wv_fnfcu Insured Persons: Marcus Summers (Mon 06 November, 2023) Insured Address: 2 Smith route Lake Jake , SK3 2LE , United Kingdom Policy V alid: 2022-12-16 to 15/07/22 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	wv_fnfcu	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	15/07/22	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2022-12-16	(?<=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: 3BDUJ83/UAHCG . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: 3BDUJ83/UAHCG. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 3BDUJ83/UAHCG LEVEL OF COVER Silver DATE OF ISSUE 2023-11-06 COVER PERIOD Thursday 21 September, 2023 to 28/02/23 EXCESS* £0 ADDRESS 277 Richards locks East Toby M13 4DSYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Kimberley White Mon 04 May, 2020 DESTINATIONS COVERED Barbados OPTIONAL COVER ADDED Excess Waiver £8,043.00 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 Sat 12 October, 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 2023-11-06 TRAVEL INSURANCE COVID-19 LETTER: 3BDUJ83/UAHCG 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: 3BDUJ83/UAHCG Insured Persons: Kimberley White (Mon 04 May, 2020) Insured Address: 277 Richards locks East Toby , M13 4DS , United Kingdom Policy V alid: Thursday 21 September, 2023 to 28/02/23 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	3BDUJ83/UAHCG	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	28/02/23	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Thursday 21 September, 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: 33X9K_WN_M/T2YMDC3 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: 33X9K_WN_M/T2YMDC3. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 33X9K_WN_M/T2YMDC3 LEVEL OF COVER Silver DATE OF ISSUE 2021-02-26 COVER PERIOD 24/02/2019 to Tuesday 03 March, 2020 EXCESS* £0 ADDRESS 2 Rhys islands Laurabury SS1 7BDYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Joseph Richards 09 October, 2023 DESTINATIONS COVERED Bangladesh OPTIONAL COVER ADDED Excess Waiver £7,068.24 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 05 July, 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 2021-02-26 TRAVEL INSURANCE COVID-19 LETTER: 33X9K_WN_M/T2YMDC3 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: 33X9K_WN_M/T2YMDC3 Insured Persons: Mr Joseph Richards (09 October, 2023) Insured Address: 2 Rhys islands Laurabury , SS1 7BD , United Kingdom Policy V alid: 24/02/2019 to Tuesday 03 March, 2020 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	33X9K_WN_M/T2YMDC3	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Tuesday 03 March, 2020	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	24/02/2019	(?<=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: L-X_AGQ/. . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: L-X_AGQ/.. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 L-X_AGQ/. LEVEL OF COVER Silver DATE OF ISSUE 2021-10-31 COVER PERIOD 19/08/25 to 2025-06-29 EXCESS* £0 ADDRESS 12 Hill isle Natashahaven S8E 5YNYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Beth Owen Sat 04 January, 2025 DESTINATIONS COVERED Central African Republic OPTIONAL COVER ADDED Excess Waiver £4,032.32 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 Monday 10 February, 2025 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2021-10-31 TRAVEL INSURANCE COVID-19 LETTER: L-X_AGQ/. 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: L-X_AGQ/. Insured Persons: Dr Beth Owen (Sat 04 January, 2025) Insured Address: 12 Hill isle Natashahaven , S8E 5YN , United Kingdom Policy V alid: 19/08/25 to 2025-06-29 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	L-X_AGQ/.	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2025-06-29	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	19/08/25	(?<=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: moxsw_pc/cqzqfcgwy..d . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: moxsw_pc/cqzqfcgwy..d. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 moxsw_pc/cqzqfcgwy..d LEVEL OF COVER Silver DATE OF ISSUE 2026-01-12 COVER PERIOD Sun 02 July, 2023 to 16/09/2024 EXCESS* £0 ADDRESS Flat 37t Mark trace North Abbieborough L3 4XQYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Deborah Hughes 2019-03-20 DESTINATIONS COVERED Korea OPTIONAL COVER ADDED Excess Waiver £4,032.79 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 Saturday 16 April, 2022 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2026-01-12 TRAVEL INSURANCE COVID-19 LETTER: moxsw_pc/cqzqfcgwy..d 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: moxsw_pc/cqzqfcgwy..d Insured Persons: Deborah Hughes (2019-03-20) Insured Address: Flat 37t Mark trace North Abbieborough , L3 4XQ , United Kingdom Policy V alid: Sun 02 July, 2023 to 16/09/2024 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	moxsw_pc/cqzqfcgwy..d	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	16/09/2024	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Sun 02 July, 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: 1GY08G5PB/T/IS . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: 1GY08G5PB/T/IS. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 1GY08G5PB/T/IS LEVEL OF COVER Silver DATE OF ISSUE 04/05/23 COVER PERIOD Sunday 26 January, 2020 to 07/05/2021 EXCESS* £0 ADDRESS 596 James forges North Conorport M0E 8EPYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Tina Bell 29/12/2025 DESTINATIONS COVERED Brazil OPTIONAL COVER ADDED Excess Waiver £9,093.96 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 23 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 04/05/23 TRAVEL INSURANCE COVID-19 LETTER: 1GY08G5PB/T/IS 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: 1GY08G5PB/T/IS Insured Persons: Dr Tina Bell (29/12/2025) Insured Address: 596 James forges North Conorport , M0E 8EP , United Kingdom Policy V alid: Sunday 26 January, 2020 to 07/05/2021 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	1GY08G5PB/T/IS	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	07/05/2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Sunday 26 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: I.6/S0HD2H7 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: I.6/S0HD2H7. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 I.6/S0HD2H7 LEVEL OF COVER Silver DATE OF ISSUE Thu 13 February, 2020 COVER PERIOD 07/06/25 to 2021-11-15 EXCESS* £0 ADDRESS Flat 1 Joan wells Joshuaberg BS55 2RHYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Miss Marion Parker 25/07/21 DESTINATIONS COVERED Guatemala OPTIONAL COVER ADDED Excess Waiver £7,203.68 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 Sunday 27 August, 2023 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Thu 13 February, 2020 TRAVEL INSURANCE COVID-19 LETTER: I.6/S0HD2H7 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: I.6/S0HD2H7 Insured Persons: Miss Marion Parker (25/07/21) Insured Address: Flat 1 Joan wells Joshuaberg , BS55 2RH , United Kingdom Policy V alid: 07/06/25 to 2021-11-15 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	I.6/S0HD2H7	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2021-11-15	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	07/06/25	(?<=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: tuiwqojnsjeamwzv . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: tuiwqojnsjeamwzv. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 tuiwqojnsjeamwzv LEVEL OF COVER Silver DATE OF ISSUE 2023-03-02 COVER PERIOD 2020-11-16 to Tuesday 24 December, 2024 EXCESS* £0 ADDRESS Studio 88 Denise light South Stevenborough N2C 5ZSYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Sandra Vincent Wednesday 08 March, 2023 DESTINATIONS COVERED Congo OPTIONAL COVER ADDED Excess Waiver £2,023.35 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 01 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 2023-03-02 TRAVEL INSURANCE COVID-19 LETTER: tuiwqojnsjeamwzv 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: tuiwqojnsjeamwzv Insured Persons: Sandra Vincent (Wednesday 08 March, 2023) Insured Address: Studio 88 Denise light South Stevenborough , N2C 5ZS , United Kingdom Policy V alid: 2020-11-16 to Tuesday 24 December, 2024 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	tuiwqojnsjeamwzv	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Tuesday 24 December, 2024	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2020-11-16	(?<=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: mjng.cife/b . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: mjng.cife/b. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 mjng.cife/b LEVEL OF COVER Silver DATE OF ISSUE Thursday 19 November, 2020 COVER PERIOD 05 January, 2025 to 24 November, 2024 EXCESS* £0 ADDRESS 064 Jack vista Iqbalview N97 5BQYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Kenneth Garner 2019-11-01 DESTINATIONS COVERED Marshall Islands OPTIONAL COVER ADDED Excess Waiver £7,653.46 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 2020-07-18 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Thursday 19 November, 2020 TRAVEL INSURANCE COVID-19 LETTER: mjng.cife/b 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: mjng.cife/b Insured Persons: Kenneth Garner (2019-11-01) Insured Address: 064 Jack vista Iqbalview , N97 5BQ , United Kingdom Policy V alid: 05 January, 2025 to 24 November, 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	mjng.cife/b	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	24 November, 2024	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	05 January, 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: AF3T44/TP--7NVR/352 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: AF3T44/TP--7NVR/352. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 AF3T44/TP--7NVR/352 LEVEL OF COVER Silver DATE OF ISSUE 24 July, 2021 COVER PERIOD 2021-07-20 to 10/10/20 EXCESS* £0 ADDRESS 945 Davies fields North Hilary B0D 0QNYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Guy Jones Monday 03 April, 2023 DESTINATIONS COVERED Vietnam OPTIONAL COVER ADDED Excess Waiver £9,698.76 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 08 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 24 July, 2021 TRAVEL INSURANCE COVID-19 LETTER: AF3T44/TP--7NVR/352 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: AF3T44/TP--7NVR/352 Insured Persons: Guy Jones (Monday 03 April, 2023) Insured Address: 945 Davies fields North Hilary , B0D 0QN , United Kingdom Policy V alid: 2021-07-20 to 10/10/20 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	AF3T44/TP--7NVR/352	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	10/10/20	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2021-07-20	(?<=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: 3ZD78S0/D2R3008HQFCFGP . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: 3ZD78S0/D2R3008HQFCFGP. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 3ZD78S0/D2R3008HQFCFGP LEVEL OF COVER Silver DATE OF ISSUE Tuesday 09 September, 2025 COVER PERIOD Sat 21 September, 2024 to 03/08/19 EXCESS* £0 ADDRESS Studio 4 Gough branch Neilfurt OL7Y 5EBYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Abdul O'Connor Wed 26 August, 2020 DESTINATIONS COVERED Montenegro OPTIONAL COVER ADDED Excess Waiver £8,034.38 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 2025-01-18 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Tuesday 09 September, 2025 TRAVEL INSURANCE COVID-19 LETTER: 3ZD78S0/D2R3008HQFCFGP 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: 3ZD78S0/D2R3008HQFCFGP Insured Persons: Abdul O'Connor (Wed 26 August, 2020) Insured Address: Studio 4 Gough branch Neilfurt , OL7Y 5EB , United Kingdom Policy V alid: Sat 21 September, 2024 to 03/08/19 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	3ZD78S0/D2R3008HQFCFGP	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	03/08/19	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Sat 21 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: 0NKBLQAF3H7-/Y.GQ . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: 0NKBLQAF3H7-/Y.GQ. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 0NKBLQAF3H7-/Y.GQ LEVEL OF COVER Silver DATE OF ISSUE 16/09/2021 COVER PERIOD 2022-03-16 to 06/02/22 EXCESS* £0 ADDRESS 02 Julian loaf South Charlie G35 3YXYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Josh Smith 14/06/2024 DESTINATIONS COVERED China OPTIONAL COVER ADDED Excess Waiver £64.98 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 Tue 26 May, 2020 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 16/09/2021 TRAVEL INSURANCE COVID-19 LETTER: 0NKBLQAF3H7-/Y.GQ 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: 0NKBLQAF3H7-/Y.GQ Insured Persons: Josh Smith (14/06/2024) Insured Address: 02 Julian loaf South Charlie , G35 3YX , United Kingdom Policy V alid: 2022-03-16 to 06/02/22 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	0NKBLQAF3H7-/Y.GQ	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	06/02/22	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2022-03-16	(?<=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: wl_ovzy . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: wl_ovzy. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 wl_ovzy LEVEL OF COVER Silver DATE OF ISSUE 17/05/23 COVER PERIOD Sat 20 November, 2021 to 03 April, 2023 EXCESS* £0 ADDRESS 11 Winter forge South Rosieside W5C 9WHYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Declan Long Monday 06 November, 2023 DESTINATIONS COVERED Svalbard & Jan Mayen Islands OPTIONAL COVER ADDED Excess Waiver £3,257.90 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 Sun 16 June, 2019 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 17/05/23 TRAVEL INSURANCE COVID-19 LETTER: wl_ovzy 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: wl_ovzy Insured Persons: Declan Long (Monday 06 November, 2023) Insured Address: 11 Winter forge South Rosieside , W5C 9WH , United Kingdom Policy V alid: Sat 20 November, 2021 to 03 April, 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	wl_ovzy	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	03 April, 2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Sat 20 November, 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: 3/67P/C6 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: 3/67P/C6. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 3/67P/C6 LEVEL OF COVER Silver DATE OF ISSUE 2019-03-14 COVER PERIOD Tuesday 19 October, 2021 to Monday 26 August, 2019 EXCESS* £0 ADDRESS Flat 27 Annette burgs Staceytown JE5 9AXYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Annette Bailey 2025-01-17 DESTINATIONS COVERED Monaco OPTIONAL COVER ADDED Excess Waiver £8,240.99 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 06/06/2020 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2019-03-14 TRAVEL INSURANCE COVID-19 LETTER: 3/67P/C6 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: 3/67P/C6 Insured Persons: Annette Bailey (2025-01-17) Insured Address: Flat 27 Annette burgs Staceytown , JE5 9AX , United Kingdom Policy V alid: Tuesday 19 October, 2021 to Monday 26 August, 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	3/67P/C6	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Monday 26 August, 2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Tuesday 19 October, 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: WLY63B622ISUG . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: WLY63B622ISUG. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 WLY63B622ISUG LEVEL OF COVER Silver DATE OF ISSUE Friday 21 October, 2022 COVER PERIOD 20/06/2019 to 22/12/22 EXCESS* £0 ADDRESS Studio 7 Gray hills Marilynstad EN45 9TWYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Hannah Wallis-Goddard 06 January, 2026 DESTINATIONS COVERED Solomon Islands OPTIONAL COVER ADDED Excess Waiver £1,142.21 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 2024-12-31 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 Friday 21 October, 2022 TRAVEL INSURANCE COVID-19 LETTER: WLY63B622ISUG 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: WLY63B622ISUG Insured Persons: Hannah Wallis-Goddard (06 January, 2026) Insured Address: Studio 7 Gray hills Marilynstad , EN45 9TW , United Kingdom Policy V alid: 20/06/2019 to 22/12/22 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	WLY63B622ISUG	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	22/12/22	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	20/06/2019	(?<=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: 8Y_P-UO_/FG__1I8-TD . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: 8Y_P-UO_/FG__1I8-TD. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 8Y_P-UO_/FG__1I8-TD LEVEL OF COVER Silver DATE OF ISSUE 2023-06-13 COVER PERIOD Saturday 13 May, 2023 to 2025-08-12 EXCESS* £0 ADDRESS 8 Dyer oval Laurenshire B60 4YXYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Maria Smith 21/10/2022 DESTINATIONS COVERED Poland OPTIONAL COVER ADDED Excess Waiver £1,669.53 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 Sat 20 August, 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 2023-06-13 TRAVEL INSURANCE COVID-19 LETTER: 8Y_P-UO_/FG__1I8-TD 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: 8Y_P-UO_/FG__1I8-TD Insured Persons: Maria Smith (21/10/2022) Insured Address: 8 Dyer oval Laurenshire , B60 4YX , United Kingdom Policy V alid: Saturday 13 May, 2023 to 2025-08-12 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	8Y_P-UO_/FG__1I8-TD	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2025-08-12	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Saturday 13 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: VMNHBGDITHVHB . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: VMNHBGDITHVHB. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 VMNHBGDITHVHB LEVEL OF COVER Silver DATE OF ISSUE 10 March, 2019 COVER PERIOD Tuesday 07 June, 2022 to 2025-03-31 EXCESS* £0 ADDRESS 87 Wilson haven West Justinview B96 5ZWYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Linda Walker-Taylor 2019-10-31 DESTINATIONS COVERED Zambia OPTIONAL COVER ADDED Excess Waiver £4,329.77 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 08 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 10 March, 2019 TRAVEL INSURANCE COVID-19 LETTER: VMNHBGDITHVHB 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: VMNHBGDITHVHB Insured Persons: Linda Walker-Taylor (2019-10-31) Insured Address: 87 Wilson haven West Justinview , B96 5ZW , United Kingdom Policy V alid: Tuesday 07 June, 2022 to 2025-03-31 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	VMNHBGDITHVHB	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2025-03-31	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Tuesday 07 June, 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: CGZWHVTUL/ . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: CGZWHVTUL/. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 CGZWHVTUL/ LEVEL OF COVER Silver DATE OF ISSUE 09/07/19 COVER PERIOD 23/05/22 to Thu 08 December, 2022 EXCESS* £0 ADDRESS 986 Nelson pines East Janicehaven N3A 4PGYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Brandon Evans-Akhtar Fri 27 August, 2021 DESTINATIONS COVERED Bolivia OPTIONAL COVER ADDED Excess Waiver £8,737.35 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 12/11/2019 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 09/07/19 TRAVEL INSURANCE COVID-19 LETTER: CGZWHVTUL/ 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: CGZWHVTUL/ Insured Persons: Brandon Evans-Akhtar (Fri 27 August, 2021) Insured Address: 986 Nelson pines East Janicehaven , N3A 4PG , United Kingdom Policy V alid: 23/05/22 to Thu 08 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	CGZWHVTUL/	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Thu 08 December, 2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	23/05/22	(?<=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: 5W6QJTZ8INKTLYBZFTCK . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: 5W6QJTZ8INKTLYBZFTCK. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 5W6QJTZ8INKTLYBZFTCK LEVEL OF COVER Silver DATE OF ISSUE Thu 17 June, 2021 COVER PERIOD 10/01/2022 to Tuesday 22 February, 2022 EXCESS* £0 ADDRESS Studio 6 Miller lights West Julia LU5 1SEYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Thomas Kerr 2019-07-14 DESTINATIONS COVERED Kiribati OPTIONAL COVER ADDED Excess Waiver £5,673.30 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 14 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 Thu 17 June, 2021 TRAVEL INSURANCE COVID-19 LETTER: 5W6QJTZ8INKTLYBZFTCK 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: 5W6QJTZ8INKTLYBZFTCK Insured Persons: Thomas Kerr (2019-07-14) Insured Address: Studio 6 Miller lights West Julia , LU5 1SE , United Kingdom Policy V alid: 10/01/2022 to Tuesday 22 February, 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	5W6QJTZ8INKTLYBZFTCK	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Tuesday 22 February, 2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	10/01/2022	(?<=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: KK/XWN/F75VIQSI6HR . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: KK/XWN/F75VIQSI6HR. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 KK/XWN/F75VIQSI6HR LEVEL OF COVER Silver DATE OF ISSUE 2022-03-02 COVER PERIOD 09/07/19 to 20/02/2025 EXCESS* £0 ADDRESS Flat 52 Sean via South Stephanie M01 9SNYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Anna Bennett 28/10/20 DESTINATIONS COVERED Brazil OPTIONAL COVER ADDED Excess Waiver £5,276.22 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 Wednesday 05 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 2022-03-02 TRAVEL INSURANCE COVID-19 LETTER: KK/XWN/F75VIQSI6HR 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: KK/XWN/F75VIQSI6HR Insured Persons: Dr Anna Bennett (28/10/20) Insured Address: Flat 52 Sean via South Stephanie , M01 9SN , United Kingdom Policy V alid: 09/07/19 to 20/02/2025 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	KK/XWN/F75VIQSI6HR	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	20/02/2025	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	09/07/19	(?<=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: GTL/9Q-V/WV/O8 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: GTL/9Q-V/WV/O8. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 GTL/9Q-V/WV/O8 LEVEL OF COVER Silver DATE OF ISSUE 06 December, 2021 COVER PERIOD Tuesday 14 November, 2023 to Sat 23 August, 2025 EXCESS* £0 ADDRESS Studio 01 Elizabeth common Port Damienborough PA1N 4GEYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Lawrence Ferguson 09 September, 2022 DESTINATIONS COVERED Netherlands OPTIONAL COVER ADDED Excess Waiver £7,907.48 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 24/12/2021 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 06 December, 2021 TRAVEL INSURANCE COVID-19 LETTER: GTL/9Q-V/WV/O8 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: GTL/9Q-V/WV/O8 Insured Persons: Lawrence Ferguson (09 September, 2022) Insured Address: Studio 01 Elizabeth common Port Damienborough , PA1N 4GE , United Kingdom Policy V alid: Tuesday 14 November, 2023 to Sat 23 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	GTL/9Q-V/WV/O8	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Sat 23 August, 2025	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Tuesday 14 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: GGYBRD-IGMHJHBUF/ . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: GGYBRD-IGMHJHBUF/. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 GGYBRD-IGMHJHBUF/ LEVEL OF COVER Silver DATE OF ISSUE 31/07/21 COVER PERIOD Tue 15 March, 2022 to 22/06/2023 EXCESS* £0 ADDRESS 25 Sarah radial Karenfort PO9 6DNYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Vanessa Evans Sun 30 October, 2022 DESTINATIONS COVERED Jordan OPTIONAL COVER ADDED Excess Waiver £8,137.82 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 2020-05-26 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 31/07/21 TRAVEL INSURANCE COVID-19 LETTER: GGYBRD-IGMHJHBUF/ 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: GGYBRD-IGMHJHBUF/ Insured Persons: Vanessa Evans (Sun 30 October, 2022) Insured Address: 25 Sarah radial Karenfort , PO9 6DN , United Kingdom Policy V alid: Tue 15 March, 2022 to 22/06/2023 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	GGYBRD-IGMHJHBUF/	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	22/06/2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Tue 15 March, 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: bhdfeawtzkeoet-.ql . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: bhdfeawtzkeoet-.ql. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 bhdfeawtzkeoet-.ql LEVEL OF COVER Silver DATE OF ISSUE 2023-10-26 COVER PERIOD Sat 07 September, 2019 to 27 November, 2020 EXCESS* £0 ADDRESS Flat 82 Samantha shores Port Bethanyborough LL7A 5SJYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Bethany Smith Tue 26 March, 2024 DESTINATIONS COVERED Guatemala OPTIONAL COVER ADDED Excess Waiver £4,296.70 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 01 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 2023-10-26 TRAVEL INSURANCE COVID-19 LETTER: bhdfeawtzkeoet-.ql 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: bhdfeawtzkeoet-.ql Insured Persons: Bethany Smith (Tue 26 March, 2024) Insured Address: Flat 82 Samantha shores Port Bethanyborough , LL7A 5SJ , United Kingdom Policy V alid: Sat 07 September, 2019 to 27 November, 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	bhdfeawtzkeoet-.ql	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	27 November, 2020	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Sat 07 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: PLJU/6NAS41-9KB_A67_OVW . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: PLJU/6NAS41-9KB_A67_OVW. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 PLJU/6NAS41-9KB_A67_OVW LEVEL OF COVER Silver DATE OF ISSUE 19 January, 2024 COVER PERIOD 30/03/2021 to 18/10/2025 EXCESS* £0 ADDRESS Flat 40M Sutton springs New Beverley N08 4UFYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr George Wilson 05/11/19 DESTINATIONS COVERED Montenegro OPTIONAL COVER ADDED Excess Waiver £6,343.71 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 Wednesday 17 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 19 January, 2024 TRAVEL INSURANCE COVID-19 LETTER: PLJU/6NAS41-9KB_A67_OVW 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: PLJU/6NAS41-9KB_A67_OVW Insured Persons: Dr George Wilson (05/11/19) Insured Address: Flat 40M Sutton springs New Beverley , N08 4UF , United Kingdom Policy V alid: 30/03/2021 to 18/10/2025 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	PLJU/6NAS41-9KB_A67_OVW	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	18/10/2025	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	30/03/2021	(?<=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: LS2AH91ZEQ7Z . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: LS2AH91ZEQ7Z. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 LS2AH91ZEQ7Z LEVEL OF COVER Silver DATE OF ISSUE 2024-02-28 COVER PERIOD 09/05/20 to 2025-07-26 EXCESS* £0 ADDRESS Studio 26M Roberts squares South Daniel N4W 9BPYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dylan Metcalfe Sat 10 September, 2022 DESTINATIONS COVERED Nepal OPTIONAL COVER ADDED Excess Waiver £6,944.40 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 Wed 14 May, 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 2024-02-28 TRAVEL INSURANCE COVID-19 LETTER: LS2AH91ZEQ7Z 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: LS2AH91ZEQ7Z Insured Persons: Dylan Metcalfe (Sat 10 September, 2022) Insured Address: Studio 26M Roberts squares South Daniel , N4W 9BP , United Kingdom Policy V alid: 09/05/20 to 2025-07-26 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	LS2AH91ZEQ7Z	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2025-07-26	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	09/05/20	(?<=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: JD291D74P73LKE . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: JD291D74P73LKE. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 JD291D74P73LKE LEVEL OF COVER Silver DATE OF ISSUE 03 August, 2020 COVER PERIOD 18/05/2023 to 11/11/2019 EXCESS* £0 ADDRESS 419 Fisher garden Port Donna HP9E 8TWYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Emily Gray-Price 30/04/24 DESTINATIONS COVERED Saudi Arabia OPTIONAL COVER ADDED Excess Waiver £1,267.82 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 Wednesday 13 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 03 August, 2020 TRAVEL INSURANCE COVID-19 LETTER: JD291D74P73LKE 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: JD291D74P73LKE Insured Persons: Emily Gray-Price (30/04/24) Insured Address: 419 Fisher garden Port Donna , HP9E 8TW , United Kingdom Policy V alid: 18/05/2023 to 11/11/2019 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	JD291D74P73LKE	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	11/11/2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	18/05/2023	(?<=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: modi-laudantium-alias . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: modi-laudantium-alias. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 modi-laudantium-alias LEVEL OF COVER Silver DATE OF ISSUE Sunday 05 July, 2020 COVER PERIOD Tue 13 September, 2022 to Wednesday 05 October, 2022 EXCESS* £0 ADDRESS Studio 37 Mitchell plaza New Alex UB5 3DRYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Owen Gray 2025-11-24 DESTINATIONS COVERED New Zealand OPTIONAL COVER ADDED Excess Waiver £2,602.01 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 19 January, 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 Sunday 05 July, 2020 TRAVEL INSURANCE COVID-19 LETTER: modi-laudantium-alias 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: modi-laudantium-alias Insured Persons: Owen Gray (2025-11-24) Insured Address: Studio 37 Mitchell plaza New Alex , UB5 3DR , United Kingdom Policy V alid: Tue 13 September, 2022 to Wednesday 05 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	modi-laudantium-alias	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Wednesday 05 October, 2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Tue 13 September, 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: RY73OTSA5 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: RY73OTSA5. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 RY73OTSA5 LEVEL OF COVER Silver DATE OF ISSUE 2019-05-12 COVER PERIOD Fri 12 March, 2021 to 01/05/2022 EXCESS* £0 ADDRESS 339 Roberts station East Dean TR0 0AYYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Gordon Turner 12/03/23 DESTINATIONS COVERED Bolivia OPTIONAL COVER ADDED Excess Waiver £1,099.52 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 30/08/25 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 2019-05-12 TRAVEL INSURANCE COVID-19 LETTER: RY73OTSA5 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: RY73OTSA5 Insured Persons: Gordon Turner (12/03/23) Insured Address: 339 Roberts station East Dean , TR0 0AY , United Kingdom Policy V alid: Fri 12 March, 2021 to 01/05/2022 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	RY73OTSA5	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	01/05/2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Fri 12 March, 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: NGN/MV9ZRU1 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: NGN/MV9ZRU1. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 NGN/MV9ZRU1 LEVEL OF COVER Silver DATE OF ISSUE 09/11/2019 COVER PERIOD 2019-10-22 to 13/09/19 EXCESS* £0 ADDRESS Studio 9 Julie center Gerardview S9U 9ZGYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Ben Pickering Mon 25 November, 2024 DESTINATIONS COVERED Cuba OPTIONAL COVER ADDED Excess Waiver £3,098.44 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 12/05/24 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 09/11/2019 TRAVEL INSURANCE COVID-19 LETTER: NGN/MV9ZRU1 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: NGN/MV9ZRU1 Insured Persons: Ben Pickering (Mon 25 November, 2024) Insured Address: Studio 9 Julie center Gerardview , S9U 9ZG , United Kingdom Policy V alid: 2019-10-22 to 13/09/19 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	NGN/MV9ZRU1	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	13/09/19	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2019-10-22	(?<=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: 4K/FW1NU . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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/FW1NU. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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/FW1NU LEVEL OF COVER Silver DATE OF ISSUE 30/09/2023 COVER PERIOD 2025-06-02 to 21/10/2021 EXCESS* £0 ADDRESS Studio 9 Rogers courts South Francis B7T 6JBYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Raymond Cole 05/01/22 DESTINATIONS COVERED Gibraltar OPTIONAL COVER ADDED Excess Waiver £4,715.28 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 04/01/21 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 30/09/2023 TRAVEL INSURANCE COVID-19 LETTER: 4K/FW1NU 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/FW1NU Insured Persons: Raymond Cole (05/01/22) Insured Address: Studio 9 Rogers courts South Francis , B7T 6JB , United Kingdom Policy V alid: 2025-06-02 to 21/10/2021 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	4K/FW1NU	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	21/10/2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2025-06-02	(?<=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: HYN-D6ZAE/PN0N . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: HYN-D6ZAE/PN0N. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 HYN-D6ZAE/PN0N LEVEL OF COVER Silver DATE OF ISSUE 20/06/2023 COVER PERIOD Mon 19 May, 2025 to 2022-02-23 EXCESS* £0 ADDRESS Flat 65s Marsh fort East Kathryn L1W 5PUYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Joshua Ross 31/10/2025 DESTINATIONS COVERED Canada OPTIONAL COVER ADDED Excess Waiver £9,626.90 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 Fri 11 August, 2023 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 20/06/2023 TRAVEL INSURANCE COVID-19 LETTER: HYN-D6ZAE/PN0N 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: HYN-D6ZAE/PN0N Insured Persons: Mr Joshua Ross (31/10/2025) Insured Address: Flat 65s Marsh fort East Kathryn , L1W 5PU , United Kingdom Policy V alid: Mon 19 May, 2025 to 2022-02-23 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	HYN-D6ZAE/PN0N	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2022-02-23	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Mon 19 May, 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: DMVU2_H7JWTNDQO . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: DMVU2_H7JWTNDQO. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 DMVU2_H7JWTNDQO LEVEL OF COVER Silver DATE OF ISSUE Tuesday 26 April, 2022 COVER PERIOD 15 January, 2026 to 28/01/2026 EXCESS* £0 ADDRESS Flat 1 Ali meadows North Rhysview B7U 1QXYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Luke Murray 23 April, 2021 DESTINATIONS COVERED Micronesia OPTIONAL COVER ADDED Excess Waiver £7,680.46 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 12 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 Tuesday 26 April, 2022 TRAVEL INSURANCE COVID-19 LETTER: DMVU2_H7JWTNDQO 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: DMVU2_H7JWTNDQO Insured Persons: Luke Murray (23 April, 2021) Insured Address: Flat 1 Ali meadows North Rhysview , B7U 1QX , United Kingdom Policy V alid: 15 January, 2026 to 28/01/2026 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	DMVU2_H7JWTNDQO	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	28/01/2026	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	15 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: vxtpacidqp . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: vxtpacidqp. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 vxtpacidqp LEVEL OF COVER Silver DATE OF ISSUE Sun 01 May, 2022 COVER PERIOD 18 July, 2019 to Wed 16 April, 2025 EXCESS* £0 ADDRESS 1 Davies mill New Carolinebury DE80 6BFYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Denise Lawrence 04/11/22 DESTINATIONS COVERED French Guiana OPTIONAL COVER ADDED Excess Waiver £7,256.26 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 12 May, 2023 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Sun 01 May, 2022 TRAVEL INSURANCE COVID-19 LETTER: vxtpacidqp 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: vxtpacidqp Insured Persons: Denise Lawrence (04/11/22) Insured Address: 1 Davies mill New Carolinebury , DE80 6BF , United Kingdom Policy V alid: 18 July, 2019 to Wed 16 April, 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	vxtpacidqp	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Wed 16 April, 2025	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	18 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: 6IY4CRQ-OA/2EXMVV . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: 6IY4CRQ-OA/2EXMVV. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 6IY4CRQ-OA/2EXMVV LEVEL OF COVER Silver DATE OF ISSUE Sun 02 November, 2025 COVER PERIOD Sunday 23 November, 2025 to 07/03/2024 EXCESS* £0 ADDRESS 382 Brooks harbor Lake Christopher B88 2GUYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Richard Griffiths 06/05/24 DESTINATIONS COVERED Saudi Arabia OPTIONAL COVER ADDED Excess Waiver £6,238.79 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 04/01/2021 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 Sun 02 November, 2025 TRAVEL INSURANCE COVID-19 LETTER: 6IY4CRQ-OA/2EXMVV 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: 6IY4CRQ-OA/2EXMVV Insured Persons: Dr Richard Griffiths (06/05/24) Insured Address: 382 Brooks harbor Lake Christopher , B88 2GU , United Kingdom Policy V alid: Sunday 23 November, 2025 to 07/03/2024 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	6IY4CRQ-OA/2EXMVV	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	07/03/2024	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Sunday 23 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: TONKLUF . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: TONKLUF. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 TONKLUF LEVEL OF COVER Silver DATE OF ISSUE Wed 16 November, 2022 COVER PERIOD Saturday 10 May, 2025 to 02 February, 2023 EXCESS* £0 ADDRESS 243 Clifford way Adamsmouth B7 6JUYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Chelsea Richards 30/12/2020 DESTINATIONS COVERED Montenegro OPTIONAL COVER ADDED Excess Waiver £4,100.32 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 Tue 30 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 Wed 16 November, 2022 TRAVEL INSURANCE COVID-19 LETTER: TONKLUF 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: TONKLUF Insured Persons: Chelsea Richards (30/12/2020) Insured Address: 243 Clifford way Adamsmouth , B7 6JU , United Kingdom Policy V alid: Saturday 10 May, 2025 to 02 February, 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	TONKLUF	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	02 February, 2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Saturday 10 May, 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: 1R5/SDZ9WSB/W_M/-N1I0K . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: 1R5/SDZ9WSB/W_M/-N1I0K. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 1R5/SDZ9WSB/W_M/-N1I0K LEVEL OF COVER Silver DATE OF ISSUE Sat 14 November, 2020 COVER PERIOD 05/08/23 to 2025-07-06 EXCESS* £0 ADDRESS Studio 1 Bentley road East Deborahshire TS11 5HJYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Garry Cox-Coleman 30 June, 2021 DESTINATIONS COVERED Moldova OPTIONAL COVER ADDED Excess Waiver £8,836.58 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 Sat 14 November, 2020 TRAVEL INSURANCE COVID-19 LETTER: 1R5/SDZ9WSB/W_M/-N1I0K 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: 1R5/SDZ9WSB/W_M/-N1I0K Insured Persons: Garry Cox-Coleman (30 June, 2021) Insured Address: Studio 1 Bentley road East Deborahshire , TS11 5HJ , United Kingdom Policy V alid: 05/08/23 to 2025-07-06 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	1R5/SDZ9WSB/W_M/-N1I0K	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2025-07-06	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	05/08/23	(?<=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: 7N1FY5Y . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: 7N1FY5Y. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 7N1FY5Y LEVEL OF COVER Silver DATE OF ISSUE 01 January, 2024 COVER PERIOD 2024-07-09 to 24/11/22 EXCESS* £0 ADDRESS Flat 67f Wallis dale New Dominic HG50 2ABYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Deborah Thomas Sun 07 June, 2020 DESTINATIONS COVERED Kazakhstan OPTIONAL COVER ADDED Excess Waiver £4,432.18 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 14/04/24 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 01 January, 2024 TRAVEL INSURANCE COVID-19 LETTER: 7N1FY5Y 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: 7N1FY5Y Insured Persons: Deborah Thomas (Sun 07 June, 2020) Insured Address: Flat 67f Wallis dale New Dominic , HG50 2AB , United Kingdom Policy V alid: 2024-07-09 to 24/11/22 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	7N1FY5Y	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	24/11/22	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2024-07-09	(?<=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: T7EUWFI . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: T7EUWFI. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 T7EUWFI LEVEL OF COVER Silver DATE OF ISSUE 25 November, 2021 COVER PERIOD Friday 09 July, 2021 to 16 January, 2021 EXCESS* £0 ADDRESS 016 Wilson mews South Kathleen RH20 9SPYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Tracy Cameron-Winter 2024-07-11 DESTINATIONS COVERED Pakistan OPTIONAL COVER ADDED Excess Waiver £7,233.15 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 19/12/21 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 25 November, 2021 TRAVEL INSURANCE COVID-19 LETTER: T7EUWFI 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: T7EUWFI Insured Persons: Tracy Cameron-Winter (2024-07-11) Insured Address: 016 Wilson mews South Kathleen , RH20 9SP , United Kingdom Policy V alid: Friday 09 July, 2021 to 16 January, 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	T7EUWFI	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	16 January, 2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Friday 09 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: 9LH/WNE7N68._Z6 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: 9LH/WNE7N68._Z6. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 9LH/WNE7N68._Z6 LEVEL OF COVER Silver DATE OF ISSUE 29/09/21 COVER PERIOD 12/02/25 to 25/12/23 EXCESS* £0 ADDRESS 63 Mohammed dale Thompsonton TW9 5TJYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Gail Smith Friday 29 December, 2023 DESTINATIONS COVERED American Samoa OPTIONAL COVER ADDED Excess Waiver £4,365.78 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 17/05/23 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 29/09/21 TRAVEL INSURANCE COVID-19 LETTER: 9LH/WNE7N68._Z6 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: 9LH/WNE7N68._Z6 Insured Persons: Gail Smith (Friday 29 December, 2023) Insured Address: 63 Mohammed dale Thompsonton , TW9 5TJ , United Kingdom Policy V alid: 12/02/25 to 25/12/23 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	9LH/WNE7N68._Z6	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	25/12/23	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	12/02/25	(?<=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: 87_ON17 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: 87_ON17. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 87_ON17 LEVEL OF COVER Silver DATE OF ISSUE 2024-12-24 COVER PERIOD 19 February, 2022 to Thursday 26 August, 2021 EXCESS* £0 ADDRESS Flat 39 Jenna shores Clareburgh W4 1NEYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Miss Amber Hicks 19/02/20 DESTINATIONS COVERED Faroe Islands OPTIONAL COVER ADDED Excess Waiver £564.94 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 2019-06-01 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2024-12-24 TRAVEL INSURANCE COVID-19 LETTER: 87_ON17 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: 87_ON17 Insured Persons: Miss Amber Hicks (19/02/20) Insured Address: Flat 39 Jenna shores Clareburgh , W4 1NE , United Kingdom Policy V alid: 19 February, 2022 to Thursday 26 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	87_ON17	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Thursday 26 August, 2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	19 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: SV3P-LC . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: SV3P-LC. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 SV3P-LC LEVEL OF COVER Silver DATE OF ISSUE 15 August, 2020 COVER PERIOD 11 January, 2025 to 21 November, 2025 EXCESS* £0 ADDRESS 27 Davey streets Juliastad WR1M 8YAYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Andrew Brady-Moore Mon 16 August, 2021 DESTINATIONS COVERED Burundi OPTIONAL COVER ADDED Excess Waiver £4,965.96 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 Thursday 25 November, 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 15 August, 2020 TRAVEL INSURANCE COVID-19 LETTER: SV3P-LC 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: SV3P-LC Insured Persons: Andrew Brady-Moore (Mon 16 August, 2021) Insured Address: 27 Davey streets Juliastad , WR1M 8YA , United Kingdom Policy V alid: 11 January, 2025 to 21 November, 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	SV3P-LC	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	21 November, 2025	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	11 January, 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: pylzard/n_s . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: pylzard/n_s. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 pylzard/n_s LEVEL OF COVER Silver DATE OF ISSUE 2025-02-25 COVER PERIOD 25 August, 2019 to 20 July, 2023 EXCESS* £0 ADDRESS Studio 52v Scott flat Lake Max SN9 2DZYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Tracy Parry 2024-05-07 DESTINATIONS COVERED Jamaica OPTIONAL COVER ADDED Excess Waiver £9,836.66 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 Saturday 15 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 2025-02-25 TRAVEL INSURANCE COVID-19 LETTER: pylzard/n_s 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: pylzard/n_s Insured Persons: Tracy Parry (2024-05-07) Insured Address: Studio 52v Scott flat Lake Max , SN9 2DZ , United Kingdom Policy V alid: 25 August, 2019 to 20 July, 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	pylzard/n_s	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	20 July, 2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	25 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: dzkltyfzf . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: dzkltyfzf. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 dzkltyfzf LEVEL OF COVER Silver DATE OF ISSUE 16/11/20 COVER PERIOD 22/12/2025 to Tue 30 July, 2019 EXCESS* £0 ADDRESS 40 Harding walk Lake Leemouth CW33 5AHYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Julian Jordan 2024-12-25 DESTINATIONS COVERED Timor-Leste OPTIONAL COVER ADDED Excess Waiver £7,901.69 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 24/04/20 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 16/11/20 TRAVEL INSURANCE COVID-19 LETTER: dzkltyfzf 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: dzkltyfzf Insured Persons: Dr Julian Jordan (2024-12-25) Insured Address: 40 Harding walk Lake Leemouth , CW33 5AH , United Kingdom Policy V alid: 22/12/2025 to Tue 30 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	dzkltyfzf	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Tue 30 July, 2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	22/12/2025	(?<=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: 60/TW/RRXDPU . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: 60/TW/RRXDPU. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 60/TW/RRXDPU LEVEL OF COVER Silver DATE OF ISSUE Fri 20 June, 2025 COVER PERIOD 30/05/19 to 2022-04-29 EXCESS* £0 ADDRESS Studio 73K Reece hollow Nicholasstad L2 2TJYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Stacey Naylor 2020-01-30 DESTINATIONS COVERED Dominican Republic OPTIONAL COVER ADDED Excess Waiver £8,291.69 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 2019-12-11 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 Fri 20 June, 2025 TRAVEL INSURANCE COVID-19 LETTER: 60/TW/RRXDPU 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: 60/TW/RRXDPU Insured Persons: Dr Stacey Naylor (2020-01-30) Insured Address: Studio 73K Reece hollow Nicholasstad , L2 2TJ , United Kingdom Policy V alid: 30/05/19 to 2022-04-29 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	60/TW/RRXDPU	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2022-04-29	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	30/05/19	(?<=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: G8WHE4P//74E . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: G8WHE4P//74E. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 G8WHE4P//74E LEVEL OF COVER Silver DATE OF ISSUE 2025-06-16 COVER PERIOD 23/08/2024 to 05/02/2019 EXCESS* £0 ADDRESS Flat 4 Alexander divide South Carl L8 6YSYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Kenneth Yates Sat 05 March, 2022 DESTINATIONS COVERED Azerbaijan OPTIONAL COVER ADDED Excess Waiver £5,009.45 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 Sun 16 April, 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 2025-06-16 TRAVEL INSURANCE COVID-19 LETTER: G8WHE4P//74E 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: G8WHE4P//74E Insured Persons: Mr Kenneth Yates (Sat 05 March, 2022) Insured Address: Flat 4 Alexander divide South Carl , L8 6YS , United Kingdom Policy V alid: 23/08/2024 to 05/02/2019 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	G8WHE4P//74E	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	05/02/2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	23/08/2024	(?<=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: L._SZAVEM . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: L._SZAVEM. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 L._SZAVEM LEVEL OF COVER Silver DATE OF ISSUE 02/08/20 COVER PERIOD Monday 20 February, 2023 to 29 May, 2024 EXCESS* £0 ADDRESS 3 Graeme gateway Port Michaelport PH7R 0FPYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Lynda Kelly 07/07/2023 DESTINATIONS COVERED Croatia OPTIONAL COVER ADDED Excess Waiver £5,221.99 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 2020-06-07 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 02/08/20 TRAVEL INSURANCE COVID-19 LETTER: L._SZAVEM 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: L._SZAVEM Insured Persons: Lynda Kelly (07/07/2023) Insured Address: 3 Graeme gateway Port Michaelport , PH7R 0FP , United Kingdom Policy V alid: Monday 20 February, 2023 to 29 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	L._SZAVEM	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	29 May, 2024	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Monday 20 February, 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: AW1O61P3A7/6LF . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: AW1O61P3A7/6LF. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 AW1O61P3A7/6LF LEVEL OF COVER Silver DATE OF ISSUE 03/06/2022 COVER PERIOD 10 December, 2019 to Fri 15 March, 2024 EXCESS* £0 ADDRESS 3 Shaw glens Bethton IP1 3GUYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Charles Lewis Sun 30 May, 2021 DESTINATIONS COVERED French Polynesia OPTIONAL COVER ADDED Excess Waiver £5,054.63 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 2025-11-16 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 03/06/2022 TRAVEL INSURANCE COVID-19 LETTER: AW1O61P3A7/6LF 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: AW1O61P3A7/6LF Insured Persons: Dr Charles Lewis (Sun 30 May, 2021) Insured Address: 3 Shaw glens Bethton , IP1 3GU , United Kingdom Policy V alid: 10 December, 2019 to Fri 15 March, 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	AW1O61P3A7/6LF	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Fri 15 March, 2024	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	10 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: A9SHU/KHJGC47BP9_15 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: A9SHU/KHJGC47BP9_15. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 A9SHU/KHJGC47BP9_15 LEVEL OF COVER Silver DATE OF ISSUE 05/11/24 COVER PERIOD 10 May, 2025 to 04/12/22 EXCESS* £0 ADDRESS Studio 59R Smith springs Port Gerard G8A 2ATYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Patrick Rogers 2023-05-10 DESTINATIONS COVERED Dominican Republic OPTIONAL COVER ADDED Excess Waiver £5,137.32 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 26/10/2024 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 05/11/24 TRAVEL INSURANCE COVID-19 LETTER: A9SHU/KHJGC47BP9_15 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: A9SHU/KHJGC47BP9_15 Insured Persons: Patrick Rogers (2023-05-10) Insured Address: Studio 59R Smith springs Port Gerard , G8A 2AT , United Kingdom Policy V alid: 10 May, 2025 to 04/12/22 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	A9SHU/KHJGC47BP9_15	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	04/12/22	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	10 May, 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: cfaeynkb-xlo_/cu . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: cfaeynkb-xlo_/cu. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 cfaeynkb-xlo_/cu LEVEL OF COVER Silver DATE OF ISSUE 23 June, 2019 COVER PERIOD 03 January, 2023 to 26/01/22 EXCESS* £0 ADDRESS Flat 11 Stevenson fork Port Francesstad BL4W 1JBYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Miss Clare Cooper Thu 13 February, 2025 DESTINATIONS COVERED Saint Lucia OPTIONAL COVER ADDED Excess Waiver £7,856.08 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 17 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 23 June, 2019 TRAVEL INSURANCE COVID-19 LETTER: cfaeynkb-xlo_/cu 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: cfaeynkb-xlo_/cu Insured Persons: Miss Clare Cooper (Thu 13 February, 2025) Insured Address: Flat 11 Stevenson fork Port Francesstad , BL4W 1JB , United Kingdom Policy V alid: 03 January, 2023 to 26/01/22 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	cfaeynkb-xlo_/cu	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	26/01/22	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	03 January, 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: 9DQN3VYFJZKUXV1HJQVG . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: 9DQN3VYFJZKUXV1HJQVG. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 9DQN3VYFJZKUXV1HJQVG LEVEL OF COVER Silver DATE OF ISSUE Thu 11 July, 2019 COVER PERIOD Wed 25 September, 2024 to 22/11/20 EXCESS* £0 ADDRESS 724 Bennett village Smithside B4D 4HLYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Tom Cook Sun 20 October, 2024 DESTINATIONS COVERED Costa Rica OPTIONAL COVER ADDED Excess Waiver £4,559.50 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Sunday 15 December, 2024 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Thu 11 July, 2019 TRAVEL INSURANCE COVID-19 LETTER: 9DQN3VYFJZKUXV1HJQVG 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: 9DQN3VYFJZKUXV1HJQVG Insured Persons: Dr Tom Cook (Sun 20 October, 2024) Insured Address: 724 Bennett village Smithside , B4D 4HL , United Kingdom Policy V alid: Wed 25 September, 2024 to 22/11/20 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	9DQN3VYFJZKUXV1HJQVG	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	22/11/20	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Wed 25 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: MA-QFNO8/8GHDX . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: MA-QFNO8/8GHDX. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 MA-QFNO8/8GHDX LEVEL OF COVER Silver DATE OF ISSUE 11/05/19 COVER PERIOD 2023-09-19 to Thursday 02 June, 2022 EXCESS* £0 ADDRESS 4 Keith ferry Mooremouth N5 8SQYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Gail Jones 2023-10-25 DESTINATIONS COVERED Kyrgyz Republic OPTIONAL COVER ADDED Excess Waiver £9,038.82 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 Saturday 19 March, 2022 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 11/05/19 TRAVEL INSURANCE COVID-19 LETTER: MA-QFNO8/8GHDX 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: MA-QFNO8/8GHDX Insured Persons: Gail Jones (2023-10-25) Insured Address: 4 Keith ferry Mooremouth , N5 8SQ , United Kingdom Policy V alid: 2023-09-19 to Thursday 02 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	MA-QFNO8/8GHDX	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Thursday 02 June, 2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2023-09-19	(?<=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: 4523G/GFZAHGX . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: 4523G/GFZAHGX. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 4523G/GFZAHGX LEVEL OF COVER Silver DATE OF ISSUE Wed 13 November, 2024 COVER PERIOD 11/01/23 to 04/03/25 EXCESS* £0 ADDRESS Flat 36Q Kent roads Barberland B6S 3ZWYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Elliott Dean 02/06/2023 DESTINATIONS COVERED Saint Lucia OPTIONAL COVER ADDED Excess Waiver £6,042.01 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 2021-07-14 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Wed 13 November, 2024 TRAVEL INSURANCE COVID-19 LETTER: 4523G/GFZAHGX 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: 4523G/GFZAHGX Insured Persons: Mr Elliott Dean (02/06/2023) Insured Address: Flat 36Q Kent roads Barberland , B6S 3ZW , United Kingdom Policy V alid: 11/01/23 to 04/03/25 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	4523G/GFZAHGX	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	04/03/25	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	11/01/23	(?<=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: VOROY5APRJQYVCD7.43HX8 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: VOROY5APRJQYVCD7.43HX8. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 VOROY5APRJQYVCD7.43HX8 LEVEL OF COVER Silver DATE OF ISSUE 2021-09-11 COVER PERIOD 11/01/2026 to 31 March, 2023 EXCESS* £0 ADDRESS 9 Powell courts Lake Connor E3 8SZYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Katy Briggs Saturday 29 March, 2025 DESTINATIONS COVERED Poland OPTIONAL COVER ADDED Excess Waiver £7,962.70 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 24/04/2024 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2021-09-11 TRAVEL INSURANCE COVID-19 LETTER: VOROY5APRJQYVCD7.43HX8 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: VOROY5APRJQYVCD7.43HX8 Insured Persons: Katy Briggs (Saturday 29 March, 2025) Insured Address: 9 Powell courts Lake Connor , E3 8SZ , United Kingdom Policy V alid: 11/01/2026 to 31 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	VOROY5APRJQYVCD7.43HX8	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	31 March, 2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	11/01/2026	(?<=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: aen._xioxw./_cakgipscj . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: aen._xioxw./_cakgipscj. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 aen._xioxw./_cakgipscj LEVEL OF COVER Silver DATE OF ISSUE Sunday 12 July, 2020 COVER PERIOD 07/08/22 to Wed 30 December, 2020 EXCESS* £0 ADDRESS 998 Joyce inlet North Marc EH1P 2GBYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Sharon Hale 2022-10-31 DESTINATIONS COVERED Saint Martin OPTIONAL COVER ADDED Excess Waiver £4,226.51 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 29/02/2024 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 Sunday 12 July, 2020 TRAVEL INSURANCE COVID-19 LETTER: aen._xioxw./_cakgipscj 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: aen._xioxw./_cakgipscj Insured Persons: Sharon Hale (2022-10-31) Insured Address: 998 Joyce inlet North Marc , EH1P 2GB , United Kingdom Policy V alid: 07/08/22 to Wed 30 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	aen._xioxw./_cakgipscj	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Wed 30 December, 2020	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	07/08/22	(?<=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: eruccws/ . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: eruccws/. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 eruccws/ LEVEL OF COVER Silver DATE OF ISSUE 2020-10-29 COVER PERIOD 18 April, 2024 to 09 November, 2022 EXCESS* £0 ADDRESS Flat 6 Graham avenue Port Justinfurt WN55 8ZPYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Emily Evans 03/04/2023 DESTINATIONS COVERED United States Virgin Islands OPTIONAL COVER ADDED Excess Waiver £1,177.29 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 05/08/2020 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 2020-10-29 TRAVEL INSURANCE COVID-19 LETTER: eruccws/ 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: eruccws/ Insured Persons: Emily Evans (03/04/2023) Insured Address: Flat 6 Graham avenue Port Justinfurt , WN55 8ZP , United Kingdom Policy V alid: 18 April, 2024 to 09 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	eruccws/	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	09 November, 2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	18 April, 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: 3V/0HX5MX7L_/L3/NP . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: 3V/0HX5MX7L_/L3/NP. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 3V/0HX5MX7L_/L3/NP LEVEL OF COVER Silver DATE OF ISSUE 2025-11-06 COVER PERIOD 13/05/2025 to 25 April, 2023 EXCESS* £0 ADDRESS 502 King underpass Payneland N4E 4DTYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mohammed Joyce Sat 01 November, 2025 DESTINATIONS COVERED Liechtenstein OPTIONAL COVER ADDED Excess Waiver £1,525.13 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 28/01/2021 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 2025-11-06 TRAVEL INSURANCE COVID-19 LETTER: 3V/0HX5MX7L_/L3/NP 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: 3V/0HX5MX7L_/L3/NP Insured Persons: Mohammed Joyce (Sat 01 November, 2025) Insured Address: 502 King underpass Payneland , N4E 4DT , United Kingdom Policy V alid: 13/05/2025 to 25 April, 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	3V/0HX5MX7L_/L3/NP	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	25 April, 2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	13/05/2025	(?<=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: 00/5QEA7QVZEG64B3JNXAG . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: 00/5QEA7QVZEG64B3JNXAG. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 00/5QEA7QVZEG64B3JNXAG LEVEL OF COVER Silver DATE OF ISSUE Fri 08 December, 2023 COVER PERIOD 01/02/25 to 01 June, 2023 EXCESS* £0 ADDRESS 87 Lawson cove New Lee E0S 8BHYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Conor Simpson 23 July, 2025 DESTINATIONS COVERED Christmas Island OPTIONAL COVER ADDED Excess Waiver £1,665.35 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 05/10/2020 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 Fri 08 December, 2023 TRAVEL INSURANCE COVID-19 LETTER: 00/5QEA7QVZEG64B3JNXAG 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: 00/5QEA7QVZEG64B3JNXAG Insured Persons: Conor Simpson (23 July, 2025) Insured Address: 87 Lawson cove New Lee , E0S 8BH , United Kingdom Policy V alid: 01/02/25 to 01 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	00/5QEA7QVZEG64B3JNXAG	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	01 June, 2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	01/02/25	(?<=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: O/HYEC/DAWXALPSF . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: O/HYEC/DAWXALPSF. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER O/HYEC/DAWXALPSF LEVEL OF COVER Silver DATE OF ISSUE 27/05/20 COVER PERIOD Fri 28 April, 2023 to 2019-06-14 EXCESS* £0 ADDRESS 64 Jennifer heights New Maryberg L6U 2EBYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Joan McCarthy 2020-04-29 DESTINATIONS COVERED Peru OPTIONAL COVER ADDED Excess Waiver £1,344.59 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 07 July, 2020 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 27/05/20 TRAVEL INSURANCE COVID-19 LETTER: O/HYEC/DAWXALPSF This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: O/HYEC/DAWXALPSF Insured Persons: Joan McCarthy (2020-04-29) Insured Address: 64 Jennifer heights New Maryberg , L6U 2EB , United Kingdom Policy V alid: Fri 28 April, 2023 to 2019-06-14 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	O/HYEC/DAWXALPSF	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2019-06-14	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Fri 28 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: 7J6PHUSCR1UW5HFZ . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: 7J6PHUSCR1UW5HFZ. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 7J6PHUSCR1UW5HFZ LEVEL OF COVER Silver DATE OF ISSUE 2023-09-13 COVER PERIOD 27/04/23 to 05 February, 2024 EXCESS* £0 ADDRESS Flat 27 Smith forge Lake Georgeborough BS2 2RQYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Christopher Williams Saturday 07 September, 2019 DESTINATIONS COVERED Poland OPTIONAL COVER ADDED Excess Waiver £1,022.91 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 Tue 07 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 2023-09-13 TRAVEL INSURANCE COVID-19 LETTER: 7J6PHUSCR1UW5HFZ 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: 7J6PHUSCR1UW5HFZ Insured Persons: Dr Christopher Williams (Saturday 07 September, 2019) Insured Address: Flat 27 Smith forge Lake Georgeborough , BS2 2RQ , United Kingdom Policy V alid: 27/04/23 to 05 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	7J6PHUSCR1UW5HFZ	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	05 February, 2024	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	27/04/23	(?<=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: 2D0SB0.7EYVBFNESFO9Y5U . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: 2D0SB0.7EYVBFNESFO9Y5U. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 2D0SB0.7EYVBFNESFO9Y5U LEVEL OF COVER Silver DATE OF ISSUE Mon 04 November, 2024 COVER PERIOD Tue 13 September, 2022 to Monday 23 December, 2024 EXCESS* £0 ADDRESS Flat 61 Carole parks Port Danielfort LL94 8ZRYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Alex Steele Thursday 17 February, 2022 DESTINATIONS COVERED Zimbabwe OPTIONAL COVER ADDED Excess Waiver £51.39 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 Friday 29 November, 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 Mon 04 November, 2024 TRAVEL INSURANCE COVID-19 LETTER: 2D0SB0.7EYVBFNESFO9Y5U 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: 2D0SB0.7EYVBFNESFO9Y5U Insured Persons: Alex Steele (Thursday 17 February, 2022) Insured Address: Flat 61 Carole parks Port Danielfort , LL94 8ZR , United Kingdom Policy V alid: Tue 13 September, 2022 to Monday 23 December, 2024 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	2D0SB0.7EYVBFNESFO9Y5U	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Monday 23 December, 2024	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Tue 13 September, 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: A5T-KK1U_9T6XU/R2_KO . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: A5T-KK1U_9T6XU/R2_KO. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 A5T-KK1U_9T6XU/R2_KO LEVEL OF COVER Silver DATE OF ISSUE 21 November, 2021 COVER PERIOD 25 February, 2021 to 25/10/2021 EXCESS* £0 ADDRESS Flat 19 Stanley circles Joycemouth B0 0LTYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Darren Knight 2025-03-11 DESTINATIONS COVERED Ethiopia OPTIONAL COVER ADDED Excess Waiver £4,933.81 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 Monday 02 October, 2023 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 21 November, 2021 TRAVEL INSURANCE COVID-19 LETTER: A5T-KK1U_9T6XU/R2_KO 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: A5T-KK1U_9T6XU/R2_KO Insured Persons: Mr Darren Knight (2025-03-11) Insured Address: Flat 19 Stanley circles Joycemouth , B0 0LT , United Kingdom Policy V alid: 25 February, 2021 to 25/10/2021 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	A5T-KK1U_9T6XU/R2_KO	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	25/10/2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	25 February, 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: XUGYOTKJNZ.W.CZQA-GLDR . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: XUGYOTKJNZ.W.CZQA-GLDR. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 XUGYOTKJNZ.W.CZQA-GLDR LEVEL OF COVER Silver DATE OF ISSUE 16 August, 2021 COVER PERIOD Tuesday 20 August, 2024 to Tue 28 January, 2020 EXCESS* £0 ADDRESS Studio 9 King centers South Kate CM1N 9RAYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Miss Hollie Price 26 June, 2022 DESTINATIONS COVERED Australia OPTIONAL COVER ADDED Excess Waiver £3,198.62 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 15 September, 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 16 August, 2021 TRAVEL INSURANCE COVID-19 LETTER: XUGYOTKJNZ.W.CZQA-GLDR 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: XUGYOTKJNZ.W.CZQA-GLDR Insured Persons: Miss Hollie Price (26 June, 2022) Insured Address: Studio 9 King centers South Kate , CM1N 9RA , United Kingdom Policy V alid: Tuesday 20 August, 2024 to Tue 28 January, 2020 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	XUGYOTKJNZ.W.CZQA-GLDR	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Tue 28 January, 2020	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Tuesday 20 August, 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: v-kmcw.zv/src/yvh.fczdi . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: v-kmcw.zv/src/yvh.fczdi. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER v-kmcw.zv/src/yvh.fczdi LEVEL OF COVER Silver DATE OF ISSUE 18 June, 2023 COVER PERIOD 20 October, 2022 to Sunday 13 October, 2019 EXCESS* £0 ADDRESS Studio 39a Ashton manors East Sallymouth B26 2NQYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Marilyn Kaur Sat 02 August, 2025 DESTINATIONS COVERED Bolivia OPTIONAL COVER ADDED Excess Waiver £1,350.47 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Sun 26 May, 2024 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 18 June, 2023 TRAVEL INSURANCE COVID-19 LETTER: v-kmcw.zv/src/yvh.fczdi This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: v-kmcw.zv/src/yvh.fczdi Insured Persons: Marilyn Kaur (Sat 02 August, 2025) Insured Address: Studio 39a Ashton manors East Sallymouth , B26 2NQ , United Kingdom Policy V alid: 20 October, 2022 to Sunday 13 October, 2019 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	v-kmcw.zv/src/yvh.fczdi	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Sunday 13 October, 2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	20 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: 4SPW/22YW9/V_X7ESH . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: 4SPW/22YW9/V_X7ESH. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 4SPW/22YW9/V_X7ESH LEVEL OF COVER Silver DATE OF ISSUE Wed 09 April, 2025 COVER PERIOD Sun 25 July, 2021 to 2021-10-19 EXCESS* £0 ADDRESS 21 Blake crossing Kentberg N9J 3LFYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Natasha Mitchell 20/01/2024 DESTINATIONS COVERED Palestinian Territory OPTIONAL COVER ADDED Excess Waiver £8,345.64 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 28/07/20 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Wed 09 April, 2025 TRAVEL INSURANCE COVID-19 LETTER: 4SPW/22YW9/V_X7ESH 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: 4SPW/22YW9/V_X7ESH Insured Persons: Natasha Mitchell (20/01/2024) Insured Address: 21 Blake crossing Kentberg , N9J 3LF , United Kingdom Policy V alid: Sun 25 July, 2021 to 2021-10-19 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	4SPW/22YW9/V_X7ESH	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2021-10-19	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Sun 25 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: d-e_tqz-oh . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: d-e_tqz-oh. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER d-e_tqz-oh LEVEL OF COVER Silver DATE OF ISSUE 24/01/24 COVER PERIOD 2019-07-12 to 08 October, 2022 EXCESS* £0 ADDRESS Flat 7 Jones via Port Charles NN4 8RJYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Karen McCarthy 20/02/2020 DESTINATIONS COVERED Croatia OPTIONAL COVER ADDED Excess Waiver £6,598.70 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 30/11/2025 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 24/01/24 TRAVEL INSURANCE COVID-19 LETTER: d-e_tqz-oh This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: d-e_tqz-oh Insured Persons: Karen McCarthy (20/02/2020) Insured Address: Flat 7 Jones via Port Charles , NN4 8RJ , United Kingdom Policy V alid: 2019-07-12 to 08 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	d-e_tqz-oh	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	08 October, 2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2019-07-12	(?<=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: yxkkw/wkebi . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: yxkkw/wkebi. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 yxkkw/wkebi LEVEL OF COVER Silver DATE OF ISSUE Wednesday 18 October, 2023 COVER PERIOD 12/10/23 to 18/11/2019 EXCESS* £0 ADDRESS Flat 75p Natalie inlet Armstrongburgh E6 1ULYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.George Clark 26 May, 2020 DESTINATIONS COVERED Papua New Guinea OPTIONAL COVER ADDED Excess Waiver £8,071.70 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 06 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 Wednesday 18 October, 2023 TRAVEL INSURANCE COVID-19 LETTER: yxkkw/wkebi 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: yxkkw/wkebi Insured Persons: George Clark (26 May, 2020) Insured Address: Flat 75p Natalie inlet Armstrongburgh , E6 1UL , United Kingdom Policy V alid: 12/10/23 to 18/11/2019 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	yxkkw/wkebi	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	18/11/2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	12/10/23	(?<=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: ZJOUXI.YZ-SUWBSA_JNG . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: ZJOUXI.YZ-SUWBSA_JNG. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 ZJOUXI.YZ-SUWBSA_JNG LEVEL OF COVER Silver DATE OF ISSUE 2025-04-01 COVER PERIOD 08/11/23 to 01 April, 2023 EXCESS* £0 ADDRESS 9 Carr center Walshhaven HX92 3DAYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Simon Hill Monday 03 April, 2023 DESTINATIONS COVERED North Macedonia OPTIONAL COVER ADDED Excess Waiver £8,727.38 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 12 November, 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 2025-04-01 TRAVEL INSURANCE COVID-19 LETTER: ZJOUXI.YZ-SUWBSA_JNG 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: ZJOUXI.YZ-SUWBSA_JNG Insured Persons: Mr Simon Hill (Monday 03 April, 2023) Insured Address: 9 Carr center Walshhaven , HX92 3DA , United Kingdom Policy V alid: 08/11/23 to 01 April, 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	ZJOUXI.YZ-SUWBSA_JNG	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	01 April, 2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	08/11/23	(?<=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: UXU_8QS7/109BCUM/HRR7/CN . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: UXU_8QS7/109BCUM/HRR7/CN. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 UXU_8QS7/109BCUM/HRR7/CN LEVEL OF COVER Silver DATE OF ISSUE 07/03/21 COVER PERIOD 28/02/25 to 26/08/24 EXCESS* £0 ADDRESS Flat 48 John hill East Benport M3A 3QZYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Barry Green Saturday 21 September, 2019 DESTINATIONS COVERED Korea OPTIONAL COVER ADDED Excess Waiver £1,739.83 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 27 October, 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 07/03/21 TRAVEL INSURANCE COVID-19 LETTER: UXU_8QS7/109BCUM/HRR7/CN 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: UXU_8QS7/109BCUM/HRR7/CN Insured Persons: Barry Green (Saturday 21 September, 2019) Insured Address: Flat 48 John hill East Benport , M3A 3QZ , United Kingdom Policy V alid: 28/02/25 to 26/08/24 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	UXU_8QS7/109BCUM/HRR7/CN	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	26/08/24	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	28/02/25	(?<=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: 469J4M/Y694XL_GZDXU2F . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: 469J4M/Y694XL_GZDXU2F. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 469J4M/Y694XL_GZDXU2F LEVEL OF COVER Silver DATE OF ISSUE 2022-09-10 COVER PERIOD Tue 16 February, 2021 to 2021-02-20 EXCESS* £0 ADDRESS 49 Holmes garden North Kathrynberg N0 7DWYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Ross Wright Mon 28 February, 2022 DESTINATIONS COVERED Myanmar OPTIONAL COVER ADDED Excess Waiver £6,064.68 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 23 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 2022-09-10 TRAVEL INSURANCE COVID-19 LETTER: 469J4M/Y694XL_GZDXU2F 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: 469J4M/Y694XL_GZDXU2F Insured Persons: Ross Wright (Mon 28 February, 2022) Insured Address: 49 Holmes garden North Kathrynberg , N0 7DW , United Kingdom Policy V alid: Tue 16 February, 2021 to 2021-02-20 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	469J4M/Y694XL_GZDXU2F	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2021-02-20	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Tue 16 February, 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: D.BQPWZ . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: D.BQPWZ. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER D.BQPWZ LEVEL OF COVER Silver DATE OF ISSUE Tuesday 27 June, 2023 COVER PERIOD 2021-03-23 to 22 October, 2021 EXCESS* £0 ADDRESS Flat 30 Coleman circles Tommouth E0 9EJYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Ms Lynda Wilson 2020-03-06 DESTINATIONS COVERED Germany OPTIONAL COVER ADDED Excess Waiver £1,753.78 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 25/12/2020 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 Tuesday 27 June, 2023 TRAVEL INSURANCE COVID-19 LETTER: D.BQPWZ This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: D.BQPWZ Insured Persons: Ms Lynda Wilson (2020-03-06) Insured Address: Flat 30 Coleman circles Tommouth , E0 9EJ , United Kingdom Policy V alid: 2021-03-23 to 22 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	D.BQPWZ	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	22 October, 2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2021-03-23	(?<=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: YOP__O-RP . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: YOP__O-RP. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 YOP__O-RP LEVEL OF COVER Silver DATE OF ISSUE 26 February, 2023 COVER PERIOD 2020-11-14 to 24/01/20 EXCESS* £0 ADDRESS 9 Julie loaf Khanhaven S5 6ZSYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Amber Clarke-Davies 31/01/2021 DESTINATIONS COVERED Sri Lanka OPTIONAL COVER ADDED Excess Waiver £9,964.51 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 2023-04-01 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 26 February, 2023 TRAVEL INSURANCE COVID-19 LETTER: YOP__O-RP 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: YOP__O-RP Insured Persons: Amber Clarke-Davies (31/01/2021) Insured Address: 9 Julie loaf Khanhaven , S5 6ZS , United Kingdom Policy V alid: 2020-11-14 to 24/01/20 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	YOP__O-RP	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	24/01/20	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2020-11-14	(?<=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: 8EW//B_Y/YZM64Q1TIKA . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: 8EW//B_Y/YZM64Q1TIKA. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 8EW//B_Y/YZM64Q1TIKA LEVEL OF COVER Silver DATE OF ISSUE 01/05/2022 COVER PERIOD Sunday 18 May, 2025 to 25 April, 2019 EXCESS* £0 ADDRESS 7 Tina street Port Declan NN0 5XTYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Sharon Ellis 09/06/2023 DESTINATIONS COVERED Mayotte OPTIONAL COVER ADDED Excess Waiver £6,927.12 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 Saturday 17 April, 2021 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 01/05/2022 TRAVEL INSURANCE COVID-19 LETTER: 8EW//B_Y/YZM64Q1TIKA 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: 8EW//B_Y/YZM64Q1TIKA Insured Persons: Sharon Ellis (09/06/2023) Insured Address: 7 Tina street Port Declan , NN0 5XT , United Kingdom Policy V alid: Sunday 18 May, 2025 to 25 April, 2019 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	8EW//B_Y/YZM64Q1TIKA	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	25 April, 2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Sunday 18 May, 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: eixjmfktvbw_xvzgm . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: eixjmfktvbw_xvzgm. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 eixjmfktvbw_xvzgm LEVEL OF COVER Silver DATE OF ISSUE Mon 16 December, 2019 COVER PERIOD 14/01/21 to 25/03/2021 EXCESS* £0 ADDRESS 8 Lowe glens Iainburgh E34 9YGYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Shirley Hart 17/12/2021 DESTINATIONS COVERED Dominica OPTIONAL COVER ADDED Excess Waiver £8,371.27 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 29/01/25 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 Mon 16 December, 2019 TRAVEL INSURANCE COVID-19 LETTER: eixjmfktvbw_xvzgm 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: eixjmfktvbw_xvzgm Insured Persons: Shirley Hart (17/12/2021) Insured Address: 8 Lowe glens Iainburgh , E34 9YG , United Kingdom Policy V alid: 14/01/21 to 25/03/2021 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	eixjmfktvbw_xvzgm	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	25/03/2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	14/01/21	(?<=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: 0U.VI/I52/WIPOQ.ZVCOA9L6 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: 0U.VI/I52/WIPOQ.ZVCOA9L6. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 0U.VI/I52/WIPOQ.ZVCOA9L6 LEVEL OF COVER Silver DATE OF ISSUE 2023-10-02 COVER PERIOD 25/08/21 to Wednesday 21 August, 2024 EXCESS* £0 ADDRESS 025 Shepherd hills West Robert B69 3ATYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Gareth Roberts Mon 13 July, 2020 DESTINATIONS COVERED Bahamas OPTIONAL COVER ADDED Excess Waiver £8,542.53 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 11/09/21 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 2023-10-02 TRAVEL INSURANCE COVID-19 LETTER: 0U.VI/I52/WIPOQ.ZVCOA9L6 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: 0U.VI/I52/WIPOQ.ZVCOA9L6 Insured Persons: Gareth Roberts (Mon 13 July, 2020) Insured Address: 025 Shepherd hills West Robert , B69 3AT , United Kingdom Policy V alid: 25/08/21 to Wednesday 21 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	0U.VI/I52/WIPOQ.ZVCOA9L6	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Wednesday 21 August, 2024	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	25/08/21	(?<=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: 14GZ4Y2L9OJ-X0RV0WPTAY . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: 14GZ4Y2L9OJ-X0RV0WPTAY. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 14GZ4Y2L9OJ-X0RV0WPTAY LEVEL OF COVER Silver DATE OF ISSUE 06/09/2022 COVER PERIOD 22 July, 2021 to Friday 12 September, 2025 EXCESS* £0 ADDRESS Studio 07 Mark course Mandyville E9J 4PXYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Gillian Bowen 26/02/20 DESTINATIONS COVERED Czech Republic OPTIONAL COVER ADDED Excess Waiver £473.37 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 2024-08-22 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 06/09/2022 TRAVEL INSURANCE COVID-19 LETTER: 14GZ4Y2L9OJ-X0RV0WPTAY 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: 14GZ4Y2L9OJ-X0RV0WPTAY Insured Persons: Gillian Bowen (26/02/20) Insured Address: Studio 07 Mark course Mandyville , E9J 4PX , United Kingdom Policy V alid: 22 July, 2021 to Friday 12 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	14GZ4Y2L9OJ-X0RV0WPTAY	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Friday 12 September, 2025	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	22 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: SVX6-8K . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: SVX6-8K. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 SVX6-8K LEVEL OF COVER Silver DATE OF ISSUE 14/02/23 COVER PERIOD Monday 22 July, 2024 to 2023-09-14 EXCESS* £0 ADDRESS 53 Barton turnpike North Arthurland E8 6FFYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mathew Walsh Sun 01 December, 2024 DESTINATIONS COVERED Guyana OPTIONAL COVER ADDED Excess Waiver £8,381.63 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 10 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 14/02/23 TRAVEL INSURANCE COVID-19 LETTER: SVX6-8K 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: SVX6-8K Insured Persons: Mathew Walsh (Sun 01 December, 2024) Insured Address: 53 Barton turnpike North Arthurland , E8 6FF , United Kingdom Policy V alid: Monday 22 July, 2024 to 2023-09-14 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	SVX6-8K	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2023-09-14	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Monday 22 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: TUS/RXQGI-_OEZKPK . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: TUS/RXQGI-_OEZKPK. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 TUS/RXQGI-_OEZKPK LEVEL OF COVER Silver DATE OF ISSUE Sat 28 December, 2019 COVER PERIOD 25/11/19 to 16/12/2023 EXCESS* £0 ADDRESS 42 Taylor shore Kirstychester B61 8NSYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Derek Wood 05 April, 2025 DESTINATIONS COVERED Estonia OPTIONAL COVER ADDED Excess Waiver £2,304.19 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Thursday 09 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 Sat 28 December, 2019 TRAVEL INSURANCE COVID-19 LETTER: TUS/RXQGI-_OEZKPK 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: TUS/RXQGI-_OEZKPK Insured Persons: Dr Derek Wood (05 April, 2025) Insured Address: 42 Taylor shore Kirstychester , B61 8NS , United Kingdom Policy V alid: 25/11/19 to 16/12/2023 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	TUS/RXQGI-_OEZKPK	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	16/12/2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	25/11/19	(?<=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: cmsdbtm_xebnb//l/uj . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: cmsdbtm_xebnb//l/uj. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 cmsdbtm_xebnb//l/uj LEVEL OF COVER Silver DATE OF ISSUE 24 February, 2023 COVER PERIOD Monday 06 June, 2022 to 16/11/2025 EXCESS* £0 ADDRESS 4 Simpson views Port Mitchell L04 2NUYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Gary Yates 17/12/21 DESTINATIONS COVERED Malaysia OPTIONAL COVER ADDED Excess Waiver £1,410.46 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 10 November, 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 February, 2023 TRAVEL INSURANCE COVID-19 LETTER: cmsdbtm_xebnb//l/uj 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: cmsdbtm_xebnb//l/uj Insured Persons: Dr Gary Yates (17/12/21) Insured Address: 4 Simpson views Port Mitchell , L04 2NU , United Kingdom Policy V alid: Monday 06 June, 2022 to 16/11/2025 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	cmsdbtm_xebnb//l/uj	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	16/11/2025	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Monday 06 June, 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: 0R7J-VQ_G2JWAXLB50 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: 0R7J-VQ_G2JWAXLB50. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 0R7J-VQ_G2JWAXLB50 LEVEL OF COVER Silver DATE OF ISSUE 31/12/2022 COVER PERIOD 09/02/2020 to 15/02/22 EXCESS* £0 ADDRESS Flat 74 Harrison mall Garymouth B24 2YFYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Donald Miles 23 April, 2024 DESTINATIONS COVERED Honduras OPTIONAL COVER ADDED Excess Waiver £1,886.39 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 Thursday 22 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 31/12/2022 TRAVEL INSURANCE COVID-19 LETTER: 0R7J-VQ_G2JWAXLB50 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: 0R7J-VQ_G2JWAXLB50 Insured Persons: Donald Miles (23 April, 2024) Insured Address: Flat 74 Harrison mall Garymouth , B24 2YF , United Kingdom Policy V alid: 09/02/2020 to 15/02/22 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	0R7J-VQ_G2JWAXLB50	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	15/02/22	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	09/02/2020	(?<=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: teyo_h.euyk. . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: teyo_h.euyk.. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 teyo_h.euyk. LEVEL OF COVER Silver DATE OF ISSUE 2021-06-28 COVER PERIOD Monday 18 November, 2024 to 10/09/2019 EXCESS* £0 ADDRESS 8 Samantha fields Abigailstad N50 6LXYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Ms Naomi Shaw 01 September, 2024 DESTINATIONS COVERED Guam OPTIONAL COVER ADDED Excess Waiver £3,450.57 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 Sun 18 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 2021-06-28 TRAVEL INSURANCE COVID-19 LETTER: teyo_h.euyk. 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: teyo_h.euyk. Insured Persons: Ms Naomi Shaw (01 September, 2024) Insured Address: 8 Samantha fields Abigailstad , N50 6LX , United Kingdom Policy V alid: Monday 18 November, 2024 to 10/09/2019 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	teyo_h.euyk.	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	10/09/2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Monday 18 November, 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: ERN.GDI. . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: ERN.GDI.. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 ERN.GDI. LEVEL OF COVER Silver DATE OF ISSUE 2023-02-21 COVER PERIOD 2022-11-18 to 07/09/23 EXCESS* £0 ADDRESS 513 Hollie key Lake Naomi LU1 4XDYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Terence Chan 27 December, 2019 DESTINATIONS COVERED Luxembourg OPTIONAL COVER ADDED Excess Waiver £1,156.49 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 23 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 2023-02-21 TRAVEL INSURANCE COVID-19 LETTER: ERN.GDI. 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: ERN.GDI. Insured Persons: Terence Chan (27 December, 2019) Insured Address: 513 Hollie key Lake Naomi , LU1 4XD , United Kingdom Policy V alid: 2022-11-18 to 07/09/23 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	ERN.GDI.	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	07/09/23	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2022-11-18	(?<=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: 2CUP.7OBZ53N0YZ1.1LB . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: 2CUP.7OBZ53N0YZ1.1LB. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 2CUP.7OBZ53N0YZ1.1LB LEVEL OF COVER Silver DATE OF ISSUE 06 February, 2025 COVER PERIOD 02/02/2022 to 26/07/20 EXCESS* £0 ADDRESS Studio 70g Helen locks Lake Ashleigh N7 5YPYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Miss Christine Hill 03 December, 2019 DESTINATIONS COVERED Belarus OPTIONAL COVER ADDED Excess Waiver £5,859.15 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 07 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 06 February, 2025 TRAVEL INSURANCE COVID-19 LETTER: 2CUP.7OBZ53N0YZ1.1LB 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: 2CUP.7OBZ53N0YZ1.1LB Insured Persons: Miss Christine Hill (03 December, 2019) Insured Address: Studio 70g Helen locks Lake Ashleigh , N7 5YP , United Kingdom Policy V alid: 02/02/2022 to 26/07/20 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	2CUP.7OBZ53N0YZ1.1LB	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	26/07/20	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	02/02/2022	(?<=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: YJW-N0QM4O/LCWUO5SPI00YK . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: YJW-N0QM4O/LCWUO5SPI00YK. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 YJW-N0QM4O/LCWUO5SPI00YK LEVEL OF COVER Silver DATE OF ISSUE 21/09/24 COVER PERIOD 17/03/22 to 27/11/2019 EXCESS* £0 ADDRESS 58 Davison port Philiphaven UB3 2BGYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Kelly Hunt 01/06/21 DESTINATIONS COVERED Cuba OPTIONAL COVER ADDED Excess Waiver £5,643.01 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 01/05/2025 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 21/09/24 TRAVEL INSURANCE COVID-19 LETTER: YJW-N0QM4O/LCWUO5SPI00YK 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: YJW-N0QM4O/LCWUO5SPI00YK Insured Persons: Kelly Hunt (01/06/21) Insured Address: 58 Davison port Philiphaven , UB3 2BG , United Kingdom Policy V alid: 17/03/22 to 27/11/2019 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	YJW-N0QM4O/LCWUO5SPI00YK	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	27/11/2019	(?<=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: fvdg/wzuf_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: fvdg/wzuf_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 fvdg/wzuf_f LEVEL OF COVER Silver DATE OF ISSUE Thu 13 August, 2020 COVER PERIOD Mon 11 October, 2021 to 18/03/2025 EXCESS* £0 ADDRESS Studio 22s West motorway Sophieville S7 8GYYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Heather Watts 17 July, 2019 DESTINATIONS COVERED Bhutan OPTIONAL COVER ADDED Excess Waiver £4,282.49 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 2023-05-12 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Thu 13 August, 2020 TRAVEL INSURANCE COVID-19 LETTER: fvdg/wzuf_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: fvdg/wzuf_f Insured Persons: Heather Watts (17 July, 2019) Insured Address: Studio 22s West motorway Sophieville , S7 8GY , United Kingdom Policy V alid: Mon 11 October, 2021 to 18/03/2025 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	fvdg/wzuf_f	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	18/03/2025	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Mon 11 October, 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: l_so/opmdl . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: l_so/opmdl. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 l_so/opmdl LEVEL OF COVER Silver DATE OF ISSUE 2023-07-22 COVER PERIOD Wed 26 March, 2025 to 29 July, 2023 EXCESS* £0 ADDRESS 0 Owen road New Jenna G1 4RLYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Damien Winter Mon 09 January, 2023 DESTINATIONS COVERED Cayman Islands OPTIONAL COVER ADDED Excess Waiver £4,541.26 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Thursday 02 February, 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 2023-07-22 TRAVEL INSURANCE COVID-19 LETTER: l_so/opmdl 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: l_so/opmdl Insured Persons: Mr Damien Winter (Mon 09 January, 2023) Insured Address: 0 Owen road New Jenna , G1 4RL , United Kingdom Policy V alid: Wed 26 March, 2025 to 29 July, 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	l_so/opmdl	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	29 July, 2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Wed 26 March, 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: X_./SVGJDROSCKOASTNQ . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: X_./SVGJDROSCKOASTNQ. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 X_./SVGJDROSCKOASTNQ LEVEL OF COVER Silver DATE OF ISSUE 10/05/2025 COVER PERIOD 05 June, 2019 to 2022-08-08 EXCESS* £0 ADDRESS Studio 56Y Davis brook Lynnbury N2 9GBYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Geoffrey King 26/12/2022 DESTINATIONS COVERED Brunei Darussalam OPTIONAL COVER ADDED Excess Waiver £4,954.08 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Mon 06 May, 2019 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 10/05/2025 TRAVEL INSURANCE COVID-19 LETTER: X_./SVGJDROSCKOASTNQ 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: X_./SVGJDROSCKOASTNQ Insured Persons: Mr Geoffrey King (26/12/2022) Insured Address: Studio 56Y Davis brook Lynnbury , N2 9GB , United Kingdom Policy V alid: 05 June, 2019 to 2022-08-08 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	X_./SVGJDROSCKOASTNQ	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2022-08-08	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	05 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: CW12_257M . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: CW12_257M. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 CW12_257M LEVEL OF COVER Silver DATE OF ISSUE Tue 18 October, 2022 COVER PERIOD 29/08/2020 to 16/01/24 EXCESS* £0 ADDRESS 37 Sara shoal Leannefurt CR0X 0JYYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Zoe Wilson 15/11/23 DESTINATIONS COVERED Montenegro OPTIONAL COVER ADDED Excess Waiver £2,675.32 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 20/01/2026 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 18 October, 2022 TRAVEL INSURANCE COVID-19 LETTER: CW12_257M 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: CW12_257M Insured Persons: Zoe Wilson (15/11/23) Insured Address: 37 Sara shoal Leannefurt , CR0X 0JY , United Kingdom Policy V alid: 29/08/2020 to 16/01/24 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	CW12_257M	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	16/01/24	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	29/08/2020	(?<=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: iqnmzz_qaqw-ivzi . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: iqnmzz_qaqw-ivzi. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 iqnmzz_qaqw-ivzi LEVEL OF COVER Silver DATE OF ISSUE Sunday 04 February, 2024 COVER PERIOD 04/06/22 to 08/07/23 EXCESS* £0 ADDRESS Flat 37Z Josephine river Lake Wayne BS1P 2BLYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Luke Hussain Monday 23 September, 2019 DESTINATIONS COVERED Palau OPTIONAL COVER ADDED Excess Waiver £718.48 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 2019-06-16 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 Sunday 04 February, 2024 TRAVEL INSURANCE COVID-19 LETTER: iqnmzz_qaqw-ivzi 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: iqnmzz_qaqw-ivzi Insured Persons: Luke Hussain (Monday 23 September, 2019) Insured Address: Flat 37Z Josephine river Lake Wayne , BS1P 2BL , United Kingdom Policy V alid: 04/06/22 to 08/07/23 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	iqnmzz_qaqw-ivzi	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	08/07/23	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	04/06/22	(?<=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: 7U/HZWIJ5IMYH3/D4MP42 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: 7U/HZWIJ5IMYH3/D4MP42. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 7U/HZWIJ5IMYH3/D4MP42 LEVEL OF COVER Silver DATE OF ISSUE 15 October, 2023 COVER PERIOD 23/07/2024 to 13 February, 2023 EXCESS* £0 ADDRESS 720 Nicholls plains New Albert E3 6XJYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Jacob Sanders Tue 20 April, 2021 DESTINATIONS COVERED Guyana OPTIONAL COVER ADDED Excess Waiver £6,582.67 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 08/09/2019 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 15 October, 2023 TRAVEL INSURANCE COVID-19 LETTER: 7U/HZWIJ5IMYH3/D4MP42 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: 7U/HZWIJ5IMYH3/D4MP42 Insured Persons: Mr Jacob Sanders (Tue 20 April, 2021) Insured Address: 720 Nicholls plains New Albert , E3 6XJ , United Kingdom Policy V alid: 23/07/2024 to 13 February, 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	7U/HZWIJ5IMYH3/D4MP42	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	13 February, 2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	23/07/2024	(?<=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: 855C_GN9DK-Z1FA/-8U . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: 855C_GN9DK-Z1FA/-8U. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 855C_GN9DK-Z1FA/-8U LEVEL OF COVER Silver DATE OF ISSUE Mon 09 January, 2023 COVER PERIOD 2019-04-12 to 2021-03-25 EXCESS* £0 ADDRESS Flat 9 Taylor passage North Michaelside E45 9EDYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Tina West 13/11/2022 DESTINATIONS COVERED Tunisia OPTIONAL COVER ADDED Excess Waiver £8,887.56 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 27 April, 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 Mon 09 January, 2023 TRAVEL INSURANCE COVID-19 LETTER: 855C_GN9DK-Z1FA/-8U 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: 855C_GN9DK-Z1FA/-8U Insured Persons: Tina West (13/11/2022) Insured Address: Flat 9 Taylor passage North Michaelside , E45 9ED , United Kingdom Policy V alid: 2019-04-12 to 2021-03-25 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	855C_GN9DK-Z1FA/-8U	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2021-03-25	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2019-04-12	(?<=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: WCRYEGO . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: WCRYEGO. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 WCRYEGO LEVEL OF COVER Silver DATE OF ISSUE 2024-11-24 COVER PERIOD 10/12/25 to 12/10/21 EXCESS* £0 ADDRESS Flat 5 Declan station East Charlottechester E8B 0DPYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Maurice Barker 02/05/2022 DESTINATIONS COVERED Russian Federation OPTIONAL COVER ADDED Excess Waiver £9,807.05 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 21/02/22 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2024-11-24 TRAVEL INSURANCE COVID-19 LETTER: WCRYEGO 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: WCRYEGO Insured Persons: Dr Maurice Barker (02/05/2022) Insured Address: Flat 5 Declan station East Charlottechester , E8B 0DP , United Kingdom Policy V alid: 10/12/25 to 12/10/21 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	WCRYEGO	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	12/10/21	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	10/12/25	(?<=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: AK9KMR1 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: AK9KMR1. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 AK9KMR1 LEVEL OF COVER Silver DATE OF ISSUE 17 June, 2023 COVER PERIOD 13/05/19 to 14 August, 2022 EXCESS* £0 ADDRESS Studio 85 Sanders mall Jacksonville W4 5ZWYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Bethan Wood Tue 13 September, 2022 DESTINATIONS COVERED Tuvalu OPTIONAL COVER ADDED Excess Waiver £6,083.32 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 2024-10-22 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 17 June, 2023 TRAVEL INSURANCE COVID-19 LETTER: AK9KMR1 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: AK9KMR1 Insured Persons: Bethan Wood (Tue 13 September, 2022) Insured Address: Studio 85 Sanders mall Jacksonville , W4 5ZW , United Kingdom Policy V alid: 13/05/19 to 14 August, 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	AK9KMR1	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	14 August, 2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	13/05/19	(?<=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: xfclonvikx . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: xfclonvikx. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 xfclonvikx LEVEL OF COVER Silver DATE OF ISSUE 06/12/23 COVER PERIOD Sun 24 November, 2019 to 05 February, 2023 EXCESS* £0 ADDRESS Flat 07 Emily orchard North Suzanne BB1V 0BTYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Gareth Jones 15/07/23 DESTINATIONS COVERED Mayotte OPTIONAL COVER ADDED Excess Waiver £9,132.25 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 2025-06-16 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 06/12/23 TRAVEL INSURANCE COVID-19 LETTER: xfclonvikx 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: xfclonvikx Insured Persons: Gareth Jones (15/07/23) Insured Address: Flat 07 Emily orchard North Suzanne , BB1V 0BT , United Kingdom Policy V alid: Sun 24 November, 2019 to 05 February, 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	xfclonvikx	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	05 February, 2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Sun 24 November, 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: rh-ujfphm-_b . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: rh-ujfphm-_b. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 rh-ujfphm-_b LEVEL OF COVER Silver DATE OF ISSUE 2022-11-23 COVER PERIOD 08 June, 2024 to Fri 25 April, 2025 EXCESS* £0 ADDRESS 337 Davies garden Payneton S4C 0ZQYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Paul Harrison Sunday 08 August, 2021 DESTINATIONS COVERED Nicaragua OPTIONAL COVER ADDED Excess Waiver £6,487.83 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 29/09/2022 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 2022-11-23 TRAVEL INSURANCE COVID-19 LETTER: rh-ujfphm-_b 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: rh-ujfphm-_b Insured Persons: Paul Harrison (Sunday 08 August, 2021) Insured Address: 337 Davies garden Payneton , S4C 0ZQ , United Kingdom Policy V alid: 08 June, 2024 to Fri 25 April, 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	rh-ujfphm-_b	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Fri 25 April, 2025	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	08 June, 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: edkdlecmuqugjyfpv . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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: edkdlecmuqugjyfpv. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the 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 edkdlecmuqugjyfpv LEVEL OF COVER Silver DATE OF ISSUE 08/04/2020 COVER PERIOD 05 August, 2024 to Sat 15 April, 2023 EXCESS* £0 ADDRESS 62 Brooks port Buckleyfort CT0 2HJYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Josh Campbell 2020-06-28 DESTINATIONS COVERED San Marino OPTIONAL COVER ADDED Excess Waiver £8,719.12 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 2023-12-09 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 08/04/2020 TRAVEL INSURANCE COVID-19 LETTER: edkdlecmuqugjyfpv 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: edkdlecmuqugjyfpv Insured Persons: Mr Josh Campbell (2020-06-28) Insured Address: 62 Brooks port Buckleyfort , CT0 2HJ , United Kingdom Policy V alid: 05 August, 2024 to Sat 15 April, 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	edkdlecmuqugjyfpv	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Sat 15 April, 2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	05 August, 2024	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02

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