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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: PAGIP_A57FCWRYOS3CTX . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: PAGIP_A57FCWRYOS3CTX. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER PAGIP_A57FCWRYOS3CTX LEVEL OF COVER Silver DATE OF ISSUE Tuesday 28 October, 2025 COVER PERIOD 18/02/24 to Thursday 23 November, 2023 EXCESS* £0 ADDRESS 3 Katherine common New Yvonneport BL15 5AEYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Heather Harper 2019-08-09 DESTINATIONS COVERED Azerbaijan OPTIONAL COVER ADDED Excess Waiver £2,597.69 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 27/08/19 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Tuesday 28 October, 2025 TRAVEL INSURANCE COVID-19 LETTER: PAGIP_A57FCWRYOS3CTX This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: PAGIP_A57FCWRYOS3CTX Insured Persons: Heather Harper (2019-08-09) Insured Address: 3 Katherine common New Yvonneport , BL15 5AE , United Kingdom Policy V alid: 18/02/24 to Thursday 23 November, 2023 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	PAGIP_A57FCWRYOS3CTX	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Thursday 23 November, 2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	18/02/24	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: 3ROOT6_85K8ME6RR . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 3ROOT6_85K8ME6RR. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 3ROOT6_85K8ME6RR LEVEL OF COVER Silver DATE OF ISSUE 04 February, 2023 COVER PERIOD 12/04/2024 to 14/02/23 EXCESS* £0 ADDRESS 58 Thomas lodge West Kayleighmouth N0F 1NWYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr James Peters Fri 05 January, 2024 DESTINATIONS COVERED Pitcairn Islands OPTIONAL COVER ADDED Excess Waiver £3,099.51 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 Sat 31 January, 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 04 February, 2023 TRAVEL INSURANCE COVID-19 LETTER: 3ROOT6_85K8ME6RR This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 3ROOT6_85K8ME6RR Insured Persons: Dr James Peters (Fri 05 January, 2024) Insured Address: 58 Thomas lodge West Kayleighmouth , N0F 1NW , United Kingdom Policy V alid: 12/04/2024 to 14/02/23 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	3ROOT6_85K8ME6RR	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	14/02/23	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	12/04/2024	(?<=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: SU-MMSWBHM.YZ-GXNYPLCE- . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: SU-MMSWBHM.YZ-GXNYPLCE-. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER SU-MMSWBHM.YZ-GXNYPLCE- LEVEL OF COVER Silver DATE OF ISSUE 22/02/19 COVER PERIOD Thursday 18 March, 2021 to Tuesday 14 March, 2023 EXCESS* £0 ADDRESS Flat 4 Laura pass Webbville EX54 7LXYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Victor Lloyd Wed 13 February, 2019 DESTINATIONS COVERED Angola OPTIONAL COVER ADDED Excess Waiver £8,522.13 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 Monday 16 January, 2023 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 22/02/19 TRAVEL INSURANCE COVID-19 LETTER: SU-MMSWBHM.YZ-GXNYPLCE- This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: SU-MMSWBHM.YZ-GXNYPLCE- Insured Persons: Victor Lloyd (Wed 13 February, 2019) Insured Address: Flat 4 Laura pass Webbville , EX54 7LX , United Kingdom Policy V alid: Thursday 18 March, 2021 to Tuesday 14 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	SU-MMSWBHM.YZ-GXNYPLCE-	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Tuesday 14 March, 2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Thursday 18 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: 9PEZGE.E5VLAH2DEV0RNK . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 9PEZGE.E5VLAH2DEV0RNK. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 9PEZGE.E5VLAH2DEV0RNK LEVEL OF COVER Silver DATE OF ISSUE Monday 02 March, 2020 COVER PERIOD 10 November, 2024 to Tuesday 10 November, 2020 EXCESS* £0 ADDRESS Flat 34k Lindsey cove Deborahburgh M41 6GHYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Jacqueline Ali Thursday 01 February, 2024 DESTINATIONS COVERED Tanzania OPTIONAL COVER ADDED Excess Waiver £9,003.01 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 Sun 28 March, 2021 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Monday 02 March, 2020 TRAVEL INSURANCE COVID-19 LETTER: 9PEZGE.E5VLAH2DEV0RNK This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 9PEZGE.E5VLAH2DEV0RNK Insured Persons: Jacqueline Ali (Thursday 01 February, 2024) Insured Address: Flat 34k Lindsey cove Deborahburgh , M41 6GH , United Kingdom Policy V alid: 10 November, 2024 to Tuesday 10 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	9PEZGE.E5VLAH2DEV0RNK	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Tuesday 10 November, 2020	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	10 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: Z/PIXTO3ZLDE0K0 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: Z/PIXTO3ZLDE0K0. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER Z/PIXTO3ZLDE0K0 LEVEL OF COVER Silver DATE OF ISSUE 2020-08-17 COVER PERIOD 14/02/2021 to 22/11/2019 EXCESS* £0 ADDRESS Flat 8 Melissa oval North Jamie G0B 0RYYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Max Sheppard Tue 20 August, 2019 DESTINATIONS COVERED Nicaragua OPTIONAL COVER ADDED Excess Waiver £2,411.13 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 2023-12-10 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2020-08-17 TRAVEL INSURANCE COVID-19 LETTER: Z/PIXTO3ZLDE0K0 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: Z/PIXTO3ZLDE0K0 Insured Persons: Max Sheppard (Tue 20 August, 2019) Insured Address: Flat 8 Melissa oval North Jamie , G0B 0RY , United Kingdom Policy V alid: 14/02/2021 to 22/11/2019 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	Z/PIXTO3ZLDE0K0	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	22/11/2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	14/02/2021	(?<=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: twzvywqu/rvpyw_nvss-of . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: twzvywqu/rvpyw_nvss-of. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER twzvywqu/rvpyw_nvss-of LEVEL OF COVER Silver DATE OF ISSUE 20/01/22 COVER PERIOD 2019-11-14 to 06/01/2022 EXCESS* £0 ADDRESS Studio 53b Graham islands New Nicolehaven M8 0AGYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Sam Johnson 16 April, 2024 DESTINATIONS COVERED Sudan OPTIONAL COVER ADDED Excess Waiver £7,630.87 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona 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 22 January, 2025 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 20/01/22 TRAVEL INSURANCE COVID-19 LETTER: twzvywqu/rvpyw_nvss-of This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: twzvywqu/rvpyw_nvss-of Insured Persons: Mr Sam Johnson (16 April, 2024) Insured Address: Studio 53b Graham islands New Nicolehaven , M8 0AG , United Kingdom Policy V alid: 2019-11-14 to 06/01/2022 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	twzvywqu/rvpyw_nvss-of	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	06/01/2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2019-11-14	(?<=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: 1-BWF/A0N.K/SI3EM9U28X . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 1-BWF/A0N.K/SI3EM9U28X. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 1-BWF/A0N.K/SI3EM9U28X LEVEL OF COVER Silver DATE OF ISSUE 2020-09-26 COVER PERIOD 2025-11-13 to 09/07/2020 EXCESS* £0 ADDRESS Studio 79 Holt ramp New Abdulfort M0B 3SRYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Kim Walker-Todd Wednesday 24 March, 2021 DESTINATIONS COVERED Mexico OPTIONAL COVER ADDED Excess Waiver £5,775.43 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Sunday 12 May, 2019 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2020-09-26 TRAVEL INSURANCE COVID-19 LETTER: 1-BWF/A0N.K/SI3EM9U28X This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 1-BWF/A0N.K/SI3EM9U28X Insured Persons: Kim Walker-Todd (Wednesday 24 March, 2021) Insured Address: Studio 79 Holt ramp New Abdulfort , M0B 3SR , United Kingdom Policy V alid: 2025-11-13 to 09/07/2020 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	1-BWF/A0N.K/SI3EM9U28X	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	09/07/2020	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2025-11-13	(?<=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: OMGOTIMO/OMM . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: OMGOTIMO/OMM. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER OMGOTIMO/OMM LEVEL OF COVER Silver DATE OF ISSUE 26 November, 2024 COVER PERIOD 02/12/2019 to Tuesday 23 April, 2019 EXCESS* £0 ADDRESS Studio 3 King place East Georginaberg S8 1FJYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Fiona Lewis 05 August, 2024 DESTINATIONS COVERED Luxembourg OPTIONAL COVER ADDED Excess Waiver £5,557.14 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Thursday 29 January, 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 26 November, 2024 TRAVEL INSURANCE COVID-19 LETTER: OMGOTIMO/OMM This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: OMGOTIMO/OMM Insured Persons: Fiona Lewis (05 August, 2024) Insured Address: Studio 3 King place East Georginaberg , S8 1FJ , United Kingdom Policy V alid: 02/12/2019 to Tuesday 23 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	OMGOTIMO/OMM	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Tuesday 23 April, 2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	02/12/2019	(?<=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: VPYK5-H1HA . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: VPYK5-H1HA. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER VPYK5-H1HA LEVEL OF COVER Silver DATE OF ISSUE 22 July, 2025 COVER PERIOD Saturday 03 August, 2019 to Sun 17 January, 2021 EXCESS* £0 ADDRESS 25 Aaron villages New Liam E32 0YPYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Sandra Taylor-Hunt 14/07/21 DESTINATIONS COVERED Iraq OPTIONAL COVER ADDED Excess Waiver £7,911.58 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 Saturday 13 January, 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 22 July, 2025 TRAVEL INSURANCE COVID-19 LETTER: VPYK5-H1HA This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: VPYK5-H1HA Insured Persons: Sandra Taylor-Hunt (14/07/21) Insured Address: 25 Aaron villages New Liam , E32 0YP , United Kingdom Policy V alid: Saturday 03 August, 2019 to Sun 17 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	VPYK5-H1HA	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Sun 17 January, 2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Saturday 03 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: GPRO/IAZHONFMJG-IOTD . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: GPRO/IAZHONFMJG-IOTD. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER GPRO/IAZHONFMJG-IOTD LEVEL OF COVER Silver DATE OF ISSUE 29/08/2023 COVER PERIOD Monday 31 July, 2023 to 13 June, 2022 EXCESS* £0 ADDRESS Flat 2 Jean spurs Junehaven W4U 6NYYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Janice Bates 28/03/2019 DESTINATIONS COVERED Uganda OPTIONAL COVER ADDED Excess Waiver £7,953.91 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 2024-05-19 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 29/08/2023 TRAVEL INSURANCE COVID-19 LETTER: GPRO/IAZHONFMJG-IOTD This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: GPRO/IAZHONFMJG-IOTD Insured Persons: Janice Bates (28/03/2019) Insured Address: Flat 2 Jean spurs Junehaven , W4U 6NY , United Kingdom Policy V alid: Monday 31 July, 2023 to 13 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	GPRO/IAZHONFMJG-IOTD	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	13 June, 2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Monday 31 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: 387WDBAHXY2/VYE . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 387WDBAHXY2/VYE. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 387WDBAHXY2/VYE LEVEL OF COVER Silver DATE OF ISSUE 14 August, 2024 COVER PERIOD 17/06/2019 to Saturday 09 April, 2022 EXCESS* £0 ADDRESS Studio 63d Jenna island Ashleyburgh LS9 6AXYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Glen Davison 10 July, 2024 DESTINATIONS COVERED Morocco OPTIONAL COVER ADDED Excess Waiver £2,915.39 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 05/10/2023 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 August, 2024 TRAVEL INSURANCE COVID-19 LETTER: 387WDBAHXY2/VYE This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 387WDBAHXY2/VYE Insured Persons: Glen Davison (10 July, 2024) Insured Address: Studio 63d Jenna island Ashleyburgh , LS9 6AX , United Kingdom Policy V alid: 17/06/2019 to Saturday 09 April, 2022 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	387WDBAHXY2/VYE	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Saturday 09 April, 2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	17/06/2019	(?<=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: DSJ/QXITGOMGAK . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: DSJ/QXITGOMGAK. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER DSJ/QXITGOMGAK LEVEL OF COVER Silver DATE OF ISSUE Fri 01 October, 2021 COVER PERIOD Sun 27 October, 2019 to 2024-05-21 EXCESS* £0 ADDRESS 541 Jasmine cliff South Dominicburgh W9D 8PFYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Katy Bell Monday 23 December, 2024 DESTINATIONS COVERED Bhutan OPTIONAL COVER ADDED Excess Waiver £9,577.88 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 16 July, 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 Fri 01 October, 2021 TRAVEL INSURANCE COVID-19 LETTER: DSJ/QXITGOMGAK This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: DSJ/QXITGOMGAK Insured Persons: Katy Bell (Monday 23 December, 2024) Insured Address: 541 Jasmine cliff South Dominicburgh , W9D 8PF , United Kingdom Policy V alid: Sun 27 October, 2019 to 2024-05-21 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	DSJ/QXITGOMGAK	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2024-05-21	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Sun 27 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: K/OHK/OS74C-YY7Y21R3FCD . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: K/OHK/OS74C-YY7Y21R3FCD. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER K/OHK/OS74C-YY7Y21R3FCD LEVEL OF COVER Silver DATE OF ISSUE 17 September, 2021 COVER PERIOD 02 June, 2023 to Monday 15 March, 2021 EXCESS* £0 ADDRESS Flat 74A Jones canyon Port Danny E92 6ZAYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Callum Taylor 2020-10-08 DESTINATIONS COVERED Nauru OPTIONAL COVER ADDED Excess Waiver £8,665.19 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 Sat 26 October, 2019 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 17 September, 2021 TRAVEL INSURANCE COVID-19 LETTER: K/OHK/OS74C-YY7Y21R3FCD This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: K/OHK/OS74C-YY7Y21R3FCD Insured Persons: Callum Taylor (2020-10-08) Insured Address: Flat 74A Jones canyon Port Danny , E92 6ZA , United Kingdom Policy V alid: 02 June, 2023 to Monday 15 March, 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	K/OHK/OS74C-YY7Y21R3FCD	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Monday 15 March, 2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	02 June, 2023	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: HBDTPB.D/EWEZUWJ . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: HBDTPB.D/EWEZUWJ. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER HBDTPB.D/EWEZUWJ LEVEL OF COVER Silver DATE OF ISSUE 19/05/2022 COVER PERIOD 2025-10-16 to Thursday 11 January, 2024 EXCESS* £0 ADDRESS 866 Kevin lodge Martinfort W4 1WXYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Ellie Archer-Fuller Sun 29 October, 2023 DESTINATIONS COVERED Niger OPTIONAL COVER ADDED Excess Waiver £4,236.91 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 2025-05-11 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 19/05/2022 TRAVEL INSURANCE COVID-19 LETTER: HBDTPB.D/EWEZUWJ This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: HBDTPB.D/EWEZUWJ Insured Persons: Ellie Archer-Fuller (Sun 29 October, 2023) Insured Address: 866 Kevin lodge Martinfort , W4 1WX , United Kingdom Policy V alid: 2025-10-16 to Thursday 11 January, 2024 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	HBDTPB.D/EWEZUWJ	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Thursday 11 January, 2024	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2025-10-16	(?<=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: 80/.T4UQIFIP4VSM_/578 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 80/.T4UQIFIP4VSM_/578. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 80/.T4UQIFIP4VSM_/578 LEVEL OF COVER Silver DATE OF ISSUE Thu 01 August, 2019 COVER PERIOD Tue 13 August, 2024 to 01 July, 2023 EXCESS* £0 ADDRESS Flat 37p Kathleen gardens Lake Jonathanland SK03 3DPYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Damian Wood 09/06/21 DESTINATIONS COVERED Brunei Darussalam OPTIONAL COVER ADDED Excess Waiver £6,447.78 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 2025-06-24 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 Thu 01 August, 2019 TRAVEL INSURANCE COVID-19 LETTER: 80/.T4UQIFIP4VSM_/578 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 80/.T4UQIFIP4VSM_/578 Insured Persons: Dr Damian Wood (09/06/21) Insured Address: Flat 37p Kathleen gardens Lake Jonathanland , SK03 3DP , United Kingdom Policy V alid: Tue 13 August, 2024 to 01 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	80/.T4UQIFIP4VSM_/578	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	01 July, 2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Tue 13 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: UTXSSLEFYSYWXMSR_JPYG . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: UTXSSLEFYSYWXMSR_JPYG. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER UTXSSLEFYSYWXMSR_JPYG LEVEL OF COVER Silver DATE OF ISSUE 2023-05-01 COVER PERIOD Sun 03 May, 2020 to 2025-09-23 EXCESS* £0 ADDRESS Studio 75 Cooper overpass New Oliverport WV1M 7TAYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Miss Naomi Khan 04/10/2023 DESTINATIONS COVERED Mozambique OPTIONAL COVER ADDED Excess Waiver £1,471.13 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 01/02/2023 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 2023-05-01 TRAVEL INSURANCE COVID-19 LETTER: UTXSSLEFYSYWXMSR_JPYG This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: UTXSSLEFYSYWXMSR_JPYG Insured Persons: Miss Naomi Khan (04/10/2023) Insured Address: Studio 75 Cooper overpass New Oliverport , WV1M 7TA , United Kingdom Policy V alid: Sun 03 May, 2020 to 2025-09-23 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	UTXSSLEFYSYWXMSR_JPYG	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2025-09-23	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Sun 03 May, 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: SV.P2GNKY75-G//S3U . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: SV.P2GNKY75-G//S3U. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER SV.P2GNKY75-G//S3U LEVEL OF COVER Silver DATE OF ISSUE 2019-12-29 COVER PERIOD Sunday 21 November, 2021 to 2024-02-29 EXCESS* £0 ADDRESS Studio 08s Barton vista Wrightberg L6K 4HLYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Colin Williams-Stevens 2021-05-02 DESTINATIONS COVERED Bulgaria OPTIONAL COVER ADDED Excess Waiver £4,280.57 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 13/01/2022 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2019-12-29 TRAVEL INSURANCE COVID-19 LETTER: SV.P2GNKY75-G//S3U This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: SV.P2GNKY75-G//S3U Insured Persons: Colin Williams-Stevens (2021-05-02) Insured Address: Studio 08s Barton vista Wrightberg , L6K 4HL , United Kingdom Policy V alid: Sunday 21 November, 2021 to 2024-02-29 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	SV.P2GNKY75-G//S3U	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2024-02-29	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Sunday 21 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: 7/DH2/XDA/-JGD__PKJ7YKC3 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 7/DH2/XDA/-JGD__PKJ7YKC3. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 7/DH2/XDA/-JGD__PKJ7YKC3 LEVEL OF COVER Silver DATE OF ISSUE Mon 20 July, 2020 COVER PERIOD 2022-06-10 to Sunday 23 February, 2020 EXCESS* £0 ADDRESS Studio 70y Stephanie coves Lake Timothy S15 3SLYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Tony Blackburn 2020-10-16 DESTINATIONS COVERED Brunei Darussalam OPTIONAL COVER ADDED Excess Waiver £5,889.46 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 09/11/2023 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 Mon 20 July, 2020 TRAVEL INSURANCE COVID-19 LETTER: 7/DH2/XDA/-JGD__PKJ7YKC3 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 7/DH2/XDA/-JGD__PKJ7YKC3 Insured Persons: Tony Blackburn (2020-10-16) Insured Address: Studio 70y Stephanie coves Lake Timothy , S15 3SL , United Kingdom Policy V alid: 2022-06-10 to Sunday 23 February, 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	7/DH2/XDA/-JGD__PKJ7YKC3	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Sunday 23 February, 2020	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2022-06-10	(?<=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: YAFLWQ_VDRJMJTBVPF . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: YAFLWQ_VDRJMJTBVPF. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER YAFLWQ_VDRJMJTBVPF LEVEL OF COVER Silver DATE OF ISSUE Sunday 13 October, 2019 COVER PERIOD 2025-01-06 to 03/04/2022 EXCESS* £0 ADDRESS 078 Barnes pine West Sheila PL38 9FQYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Vanessa Jackson 09/04/23 DESTINATIONS COVERED Tokelau OPTIONAL COVER ADDED Excess Waiver £3,953.95 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 17/03/2024 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Sunday 13 October, 2019 TRAVEL INSURANCE COVID-19 LETTER: YAFLWQ_VDRJMJTBVPF This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: YAFLWQ_VDRJMJTBVPF Insured Persons: Vanessa Jackson (09/04/23) Insured Address: 078 Barnes pine West Sheila , PL38 9FQ , United Kingdom Policy V alid: 2025-01-06 to 03/04/2022 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	YAFLWQ_VDRJMJTBVPF	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	03/04/2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2025-01-06	(?<=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: 2MR-TLEKLF9QESC7-SBIP6 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 2MR-TLEKLF9QESC7-SBIP6. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 2MR-TLEKLF9QESC7-SBIP6 LEVEL OF COVER Silver DATE OF ISSUE 24 October, 2025 COVER PERIOD 28/08/2023 to 2023-04-11 EXCESS* £0 ADDRESS 2 Stanley prairie East Joanneberg G90 3YYYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Leigh Howard 13 November, 2024 DESTINATIONS COVERED Venezuela OPTIONAL COVER ADDED Excess Waiver £5,465.28 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 Fri 03 September, 2021 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 24 October, 2025 TRAVEL INSURANCE COVID-19 LETTER: 2MR-TLEKLF9QESC7-SBIP6 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 2MR-TLEKLF9QESC7-SBIP6 Insured Persons: Mr Leigh Howard (13 November, 2024) Insured Address: 2 Stanley prairie East Joanneberg , G90 3YY , United Kingdom Policy V alid: 28/08/2023 to 2023-04-11 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	2MR-TLEKLF9QESC7-SBIP6	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2023-04-11	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	28/08/2023	(?<=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: S/I0_-U7CGHA9H6YBWUM . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: S/I0_-U7CGHA9H6YBWUM. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER S/I0_-U7CGHA9H6YBWUM LEVEL OF COVER Silver DATE OF ISSUE 20/07/22 COVER PERIOD Thu 21 July, 2022 to Wed 12 May, 2021 EXCESS* £0 ADDRESS Studio 78 Anna roads New Oliverport G35 3UUYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Caroline Hussain 26/11/2021 DESTINATIONS COVERED Isle of Man OPTIONAL COVER ADDED Excess Waiver £633.05 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 31/10/24 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 20/07/22 TRAVEL INSURANCE COVID-19 LETTER: S/I0_-U7CGHA9H6YBWUM This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: S/I0_-U7CGHA9H6YBWUM Insured Persons: Caroline Hussain (26/11/2021) Insured Address: Studio 78 Anna roads New Oliverport , G35 3UU , United Kingdom Policy V alid: Thu 21 July, 2022 to Wed 12 May, 2021 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	S/I0_-U7CGHA9H6YBWUM	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Wed 12 May, 2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Thu 21 July, 2022	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: 7LZU4AFUEMOW/FD7 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 7LZU4AFUEMOW/FD7. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 7LZU4AFUEMOW/FD7 LEVEL OF COVER Silver DATE OF ISSUE 14/05/2021 COVER PERIOD 2020-05-19 to 19 March, 2024 EXCESS* £0 ADDRESS 37 Hughes light Port Jakeland W2 5BQYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Claire Cook Sun 01 June, 2025 DESTINATIONS COVERED Saudi Arabia OPTIONAL COVER ADDED Excess Waiver £2,483.61 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Sat 14 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 14/05/2021 TRAVEL INSURANCE COVID-19 LETTER: 7LZU4AFUEMOW/FD7 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 7LZU4AFUEMOW/FD7 Insured Persons: Claire Cook (Sun 01 June, 2025) Insured Address: 37 Hughes light Port Jakeland , W2 5BQ , United Kingdom Policy V alid: 2020-05-19 to 19 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	7LZU4AFUEMOW/FD7	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	19 March, 2024	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2020-05-19	(?<=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: azzedkcjqeojo . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: azzedkcjqeojo. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER azzedkcjqeojo LEVEL OF COVER Silver DATE OF ISSUE Mon 29 September, 2025 COVER PERIOD Sat 29 November, 2025 to 2019-08-15 EXCESS* £0 ADDRESS 1 Robin mount Rhysberg BB95 2PSYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mohamed Jones 12/08/24 DESTINATIONS COVERED Slovakia (Slovak Republic) OPTIONAL COVER ADDED Excess Waiver £1,499.02 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Mon 05 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 Mon 29 September, 2025 TRAVEL INSURANCE COVID-19 LETTER: azzedkcjqeojo This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: azzedkcjqeojo Insured Persons: Mohamed Jones (12/08/24) Insured Address: 1 Robin mount Rhysberg , BB95 2PS , United Kingdom Policy V alid: Sat 29 November, 2025 to 2019-08-15 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	azzedkcjqeojo	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2019-08-15	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Sat 29 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: WLLVM--YVUGMHKSPX.ZMVRC . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: WLLVM--YVUGMHKSPX.ZMVRC. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER WLLVM--YVUGMHKSPX.ZMVRC LEVEL OF COVER Silver DATE OF ISSUE 2024-11-17 COVER PERIOD 13 May, 2021 to 11 November, 2019 EXCESS* £0 ADDRESS 567 Dunn haven Fishermouth UB02 5AYYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mrs Irene Holt 12 September, 2019 DESTINATIONS COVERED Benin OPTIONAL COVER ADDED Excess Waiver £3,219.97 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Tue 11 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 2024-11-17 TRAVEL INSURANCE COVID-19 LETTER: WLLVM--YVUGMHKSPX.ZMVRC This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: WLLVM--YVUGMHKSPX.ZMVRC Insured Persons: Mrs Irene Holt (12 September, 2019) Insured Address: 567 Dunn haven Fishermouth , UB02 5AY , United Kingdom Policy V alid: 13 May, 2021 to 11 November, 2019 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	WLLVM--YVUGMHKSPX.ZMVRC	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	11 November, 2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	13 May, 2021	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: cdxld.dh . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: cdxld.dh. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER cdxld.dh LEVEL OF COVER Silver DATE OF ISSUE 30/11/25 COVER PERIOD 07 November, 2022 to Wed 24 November, 2021 EXCESS* £0 ADDRESS 244 Duncan overpass Ruthview IG9P 4DXYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Zoe Bevan 28/04/20 DESTINATIONS COVERED Cambodia OPTIONAL COVER ADDED Excess Waiver £1,209.82 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 22/02/21 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 30/11/25 TRAVEL INSURANCE COVID-19 LETTER: cdxld.dh This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: cdxld.dh Insured Persons: Zoe Bevan (28/04/20) Insured Address: 244 Duncan overpass Ruthview , IG9P 4DX , United Kingdom Policy V alid: 07 November, 2022 to Wed 24 November, 2021 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	cdxld.dh	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Wed 24 November, 2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	07 November, 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: hb.hhbwmj-hl/dlje . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: hb.hhbwmj-hl/dlje. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER hb.hhbwmj-hl/dlje LEVEL OF COVER Silver DATE OF ISSUE 22/04/2025 COVER PERIOD 04 December, 2024 to 2024-01-10 EXCESS* £0 ADDRESS Studio 50u Hayward ports Ashleighmouth W71 4YFYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Colin White Thu 19 October, 2023 DESTINATIONS COVERED Germany OPTIONAL COVER ADDED Excess Waiver £2,492.35 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 Wednesday 13 July, 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 22/04/2025 TRAVEL INSURANCE COVID-19 LETTER: hb.hhbwmj-hl/dlje This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: hb.hhbwmj-hl/dlje Insured Persons: Colin White (Thu 19 October, 2023) Insured Address: Studio 50u Hayward ports Ashleighmouth , W71 4YF , United Kingdom Policy V alid: 04 December, 2024 to 2024-01-10 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	hb.hhbwmj-hl/dlje	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2024-01-10	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	04 December, 2024	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: Z3HF5//GE6/629YC.FRUY7NUR . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: Z3HF5//GE6/629YC.FRUY7NUR. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER Z3HF5//GE6/629YC.FRUY7NUR LEVEL OF COVER Silver DATE OF ISSUE Thu 11 July, 2019 COVER PERIOD Monday 29 May, 2023 to 22/04/2021 EXCESS* £0 ADDRESS Studio 93 Annette spring Chelseaview G7 9QEYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Richard Collins 2022-05-03 DESTINATIONS COVERED Latvia OPTIONAL COVER ADDED Excess Waiver £6,488.50 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 06/05/2019 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Thu 11 July, 2019 TRAVEL INSURANCE COVID-19 LETTER: Z3HF5//GE6/629YC.FRUY7NUR This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: Z3HF5//GE6/629YC.FRUY7NUR Insured Persons: Mr Richard Collins (2022-05-03) Insured Address: Studio 93 Annette spring Chelseaview , G7 9QE , United Kingdom Policy V alid: Monday 29 May, 2023 to 22/04/2021 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	Z3HF5//GE6/629YC.FRUY7NUR	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	22/04/2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Monday 29 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: WNIJYU_YE-FWB . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: WNIJYU_YE-FWB. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER WNIJYU_YE-FWB LEVEL OF COVER Silver DATE OF ISSUE Sun 23 February, 2025 COVER PERIOD 11/09/2020 to 27/01/23 EXCESS* £0 ADDRESS 529 Louis stream Port Joel MK3 8AXYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Alan Davis 19/05/23 DESTINATIONS COVERED Greenland OPTIONAL COVER ADDED Excess Waiver £2,951.29 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 Thu 16 October, 2025 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Sun 23 February, 2025 TRAVEL INSURANCE COVID-19 LETTER: WNIJYU_YE-FWB This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: WNIJYU_YE-FWB Insured Persons: Alan Davis (19/05/23) Insured Address: 529 Louis stream Port Joel , MK3 8AX , United Kingdom Policy V alid: 11/09/2020 to 27/01/23 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	WNIJYU_YE-FWB	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	27/01/23	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	11/09/2020	(?<=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: 9KAOUTFC . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 9KAOUTFC. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 9KAOUTFC LEVEL OF COVER Silver DATE OF ISSUE 24/12/2020 COVER PERIOD 31/10/2019 to 2020-01-05 EXCESS* £0 ADDRESS 6 Rosie forest East Glennside L8 1NQYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Maria Wright 01/01/2020 DESTINATIONS COVERED Saint Kitts and Nevis OPTIONAL COVER ADDED Excess Waiver £7,858.53 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 22/06/2023 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 24/12/2020 TRAVEL INSURANCE COVID-19 LETTER: 9KAOUTFC This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 9KAOUTFC Insured Persons: Maria Wright (01/01/2020) Insured Address: 6 Rosie forest East Glennside , L8 1NQ , United Kingdom Policy V alid: 31/10/2019 to 2020-01-05 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	9KAOUTFC	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2020-01-05	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	31/10/2019	(?<=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: 5AJ.E6DOZEC.6A//9/G2/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: 5AJ.E6DOZEC.6A//9/G2/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 5AJ.E6DOZEC.6A//9/G2/QL LEVEL OF COVER Silver DATE OF ISSUE Wednesday 13 October, 2021 COVER PERIOD Tue 17 October, 2023 to Tue 19 December, 2023 EXCESS* £0 ADDRESS 3 Natalie plaza Josephmouth G1A 1DUYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Linda Mason 02/04/2021 DESTINATIONS COVERED Burundi OPTIONAL COVER ADDED Excess Waiver £4,458.24 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 29/07/22 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 Wednesday 13 October, 2021 TRAVEL INSURANCE COVID-19 LETTER: 5AJ.E6DOZEC.6A//9/G2/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: 5AJ.E6DOZEC.6A//9/G2/QL Insured Persons: Linda Mason (02/04/2021) Insured Address: 3 Natalie plaza Josephmouth , G1A 1DU , United Kingdom Policy V alid: Tue 17 October, 2023 to Tue 19 December, 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	5AJ.E6DOZEC.6A//9/G2/QL	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Tue 19 December, 2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Tue 17 October, 2023	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: VTYFSFO-T . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: VTYFSFO-T. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER VTYFSFO-T LEVEL OF COVER Silver DATE OF ISSUE Mon 27 February, 2023 COVER PERIOD 2024-11-15 to 08 May, 2022 EXCESS* £0 ADDRESS 72 Louise meadow Alexandraborough HS9 4LBYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Reece Reynolds 2020-06-10 DESTINATIONS COVERED Guinea OPTIONAL COVER ADDED Excess Waiver £6,086.50 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 28/02/2023 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 Mon 27 February, 2023 TRAVEL INSURANCE COVID-19 LETTER: VTYFSFO-T This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: VTYFSFO-T Insured Persons: Reece Reynolds (2020-06-10) Insured Address: 72 Louise meadow Alexandraborough , HS9 4LB , United Kingdom Policy V alid: 2024-11-15 to 08 May, 2022 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	VTYFSFO-T	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	08 May, 2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2024-11-15	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: ZH-LZ_YBJQNSF/ . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: ZH-LZ_YBJQNSF/. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER ZH-LZ_YBJQNSF/ LEVEL OF COVER Silver DATE OF ISSUE 2025-07-05 COVER PERIOD Friday 11 November, 2022 to 2024-08-04 EXCESS* £0 ADDRESS Flat 6 Mohammed landing Port Derekfort CA9B 0TQYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Miss Kirsty Jones Friday 21 April, 2023 DESTINATIONS COVERED Poland OPTIONAL COVER ADDED Excess Waiver £9,847.06 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 01/04/2022 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2025-07-05 TRAVEL INSURANCE COVID-19 LETTER: ZH-LZ_YBJQNSF/ This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: ZH-LZ_YBJQNSF/ Insured Persons: Miss Kirsty Jones (Friday 21 April, 2023) Insured Address: Flat 6 Mohammed landing Port Derekfort , CA9B 0TQ , United Kingdom Policy V alid: Friday 11 November, 2022 to 2024-08-04 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	ZH-LZ_YBJQNSF/	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2024-08-04	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Friday 11 November, 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: ldb.w-f_d-yaoe_kdqwtlh . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: ldb.w-f_d-yaoe_kdqwtlh. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER ldb.w-f_d-yaoe_kdqwtlh LEVEL OF COVER Silver DATE OF ISSUE 01 April, 2019 COVER PERIOD Tuesday 04 March, 2025 to 21 October, 2019 EXCESS* £0 ADDRESS Flat 1 Fox prairie Sanderschester W27 4XAYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Katie Moore 06/09/2019 DESTINATIONS COVERED Cape Verde OPTIONAL COVER ADDED Excess Waiver £6,628.77 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 31/01/2022 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 01 April, 2019 TRAVEL INSURANCE COVID-19 LETTER: ldb.w-f_d-yaoe_kdqwtlh This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: ldb.w-f_d-yaoe_kdqwtlh Insured Persons: Katie Moore (06/09/2019) Insured Address: Flat 1 Fox prairie Sanderschester , W27 4XA , United Kingdom Policy V alid: Tuesday 04 March, 2025 to 21 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	ldb.w-f_d-yaoe_kdqwtlh	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	21 October, 2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Tuesday 04 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: vzdtcm- . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: vzdtcm-. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER vzdtcm- LEVEL OF COVER Silver DATE OF ISSUE 06 June, 2020 COVER PERIOD 10 September, 2024 to Fri 05 July, 2024 EXCESS* £0 ADDRESS Flat 2 Cooper corners East Jacqueline M2 9GYYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Kevin Fowler 31 December, 2023 DESTINATIONS COVERED Congo OPTIONAL COVER ADDED Excess Waiver £1,667.79 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 08 July, 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 June, 2020 TRAVEL INSURANCE COVID-19 LETTER: vzdtcm- This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: vzdtcm- Insured Persons: Kevin Fowler (31 December, 2023) Insured Address: Flat 2 Cooper corners East Jacqueline , M2 9GY , United Kingdom Policy V alid: 10 September, 2024 to Fri 05 July, 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	vzdtcm-	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Fri 05 July, 2024	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	10 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: MIC/6E.SNWS2MVT/VHW/QB . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: MIC/6E.SNWS2MVT/VHW/QB. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER MIC/6E.SNWS2MVT/VHW/QB LEVEL OF COVER Silver DATE OF ISSUE 2023-01-21 COVER PERIOD 04/08/20 to Sunday 31 March, 2019 EXCESS* £0 ADDRESS Studio 44 Wright road Ruthville BT10 9BYYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Jasmine Smith 2021-12-03 DESTINATIONS COVERED Kenya OPTIONAL COVER ADDED Excess Waiver £7,993.05 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 18/11/21 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 2023-01-21 TRAVEL INSURANCE COVID-19 LETTER: MIC/6E.SNWS2MVT/VHW/QB This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: MIC/6E.SNWS2MVT/VHW/QB Insured Persons: Jasmine Smith (2021-12-03) Insured Address: Studio 44 Wright road Ruthville , BT10 9BY , United Kingdom Policy V alid: 04/08/20 to Sunday 31 March, 2019 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	MIC/6E.SNWS2MVT/VHW/QB	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Sunday 31 March, 2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	04/08/20	(?<=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: 5ET_Y/ZAUMU9Q . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 5ET_Y/ZAUMU9Q. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 5ET_Y/ZAUMU9Q LEVEL OF COVER Silver DATE OF ISSUE 05 May, 2023 COVER PERIOD 23 December, 2025 to Tuesday 17 June, 2025 EXCESS* £0 ADDRESS 155 Alex fall Bakerton B77 6DTYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Dean Booth 08/02/2021 DESTINATIONS COVERED Moldova OPTIONAL COVER ADDED Excess Waiver £9,055.15 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 Tue 11 May, 2021 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 05 May, 2023 TRAVEL INSURANCE COVID-19 LETTER: 5ET_Y/ZAUMU9Q This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 5ET_Y/ZAUMU9Q Insured Persons: Mr Dean Booth (08/02/2021) Insured Address: 155 Alex fall Bakerton , B77 6DT , United Kingdom Policy V alid: 23 December, 2025 to Tuesday 17 June, 2025 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	5ET_Y/ZAUMU9Q	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Tuesday 17 June, 2025	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	23 December, 2025	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: 0-V5F8UL60BHWMWL . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 0-V5F8UL60BHWMWL. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 0-V5F8UL60BHWMWL LEVEL OF COVER Silver DATE OF ISSUE 11/03/25 COVER PERIOD Saturday 10 June, 2023 to 08 March, 2023 EXCESS* £0 ADDRESS Flat 9 Cameron fall Thomashaven W81 3FWYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Stuart Wood 27/08/2025 DESTINATIONS COVERED Liechtenstein OPTIONAL COVER ADDED Excess Waiver £6,530.29 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 2022-08-01 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 11/03/25 TRAVEL INSURANCE COVID-19 LETTER: 0-V5F8UL60BHWMWL This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 0-V5F8UL60BHWMWL Insured Persons: Stuart Wood (27/08/2025) Insured Address: Flat 9 Cameron fall Thomashaven , W81 3FW , United Kingdom Policy V alid: Saturday 10 June, 2023 to 08 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	0-V5F8UL60BHWMWL	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	08 March, 2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Saturday 10 June, 2023	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: HZS4C4J1B5_GC/9_MB9TE . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: HZS4C4J1B5_GC/9_MB9TE. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER HZS4C4J1B5_GC/9_MB9TE LEVEL OF COVER Silver DATE OF ISSUE Monday 24 February, 2020 COVER PERIOD 2022-03-03 to 14/10/23 EXCESS* £0 ADDRESS 09 Thomson corners West Raymondborough KA26 1LZYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Ms Janice Myers 2022-06-05 DESTINATIONS COVERED Sao Tome and Principe OPTIONAL COVER ADDED Excess Waiver £9,691.75 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Tue 13 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 Monday 24 February, 2020 TRAVEL INSURANCE COVID-19 LETTER: HZS4C4J1B5_GC/9_MB9TE This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: HZS4C4J1B5_GC/9_MB9TE Insured Persons: Ms Janice Myers (2022-06-05) Insured Address: 09 Thomson corners West Raymondborough , KA26 1LZ , United Kingdom Policy V alid: 2022-03-03 to 14/10/23 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	HZS4C4J1B5_GC/9_MB9TE	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	14/10/23	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2022-03-03	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: DWZALGUU . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: DWZALGUU. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER DWZALGUU LEVEL OF COVER Silver DATE OF ISSUE Friday 23 February, 2024 COVER PERIOD 13 September, 2019 to Tue 14 June, 2022 EXCESS* £0 ADDRESS Flat 21 Carol unions Lake Patrick DD98 9UYYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Abigail Murphy 19/06/23 DESTINATIONS COVERED Turks and Caicos Islands OPTIONAL COVER ADDED Excess Waiver £856.22 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 2022-07-26 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 Friday 23 February, 2024 TRAVEL INSURANCE COVID-19 LETTER: DWZALGUU This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: DWZALGUU Insured Persons: Abigail Murphy (19/06/23) Insured Address: Flat 21 Carol unions Lake Patrick , DD98 9UY , United Kingdom Policy V alid: 13 September, 2019 to Tue 14 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	DWZALGUU	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Tue 14 June, 2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	13 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: DMM66LM._7FR._.C6LJ0ZQYU8 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: DMM66LM._7FR._.C6LJ0ZQYU8. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER DMM66LM._7FR._.C6LJ0ZQYU8 LEVEL OF COVER Silver DATE OF ISSUE 17/08/2022 COVER PERIOD 26/11/2020 to Thu 07 November, 2019 EXCESS* £0 ADDRESS Studio 93 Barker land Hughesburgh TD45 5LQYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Patrick Thompson Sunday 06 November, 2022 DESTINATIONS COVERED Antigua and Barbuda OPTIONAL COVER ADDED Excess Waiver £2,518.52 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 Saturday 05 April, 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 17/08/2022 TRAVEL INSURANCE COVID-19 LETTER: DMM66LM._7FR._.C6LJ0ZQYU8 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: DMM66LM._7FR._.C6LJ0ZQYU8 Insured Persons: Patrick Thompson (Sunday 06 November, 2022) Insured Address: Studio 93 Barker land Hughesburgh , TD45 5LQ , United Kingdom Policy V alid: 26/11/2020 to Thu 07 November, 2019 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	DMM66LM._7FR._.C6LJ0ZQYU8	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Thu 07 November, 2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	26/11/2020	(?<=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: VMRIJRMWPVCBR . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: VMRIJRMWPVCBR. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER VMRIJRMWPVCBR LEVEL OF COVER Silver DATE OF ISSUE 24/06/22 COVER PERIOD Sunday 22 September, 2019 to 27/02/21 EXCESS* £0 ADDRESS Flat 65Z Georgina cove South Lewis G5 8WEYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Damien Long 21/12/24 DESTINATIONS COVERED Bosnia and Herzegovina OPTIONAL COVER ADDED Excess Waiver £5,777.12 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 Sunday 12 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 24/06/22 TRAVEL INSURANCE COVID-19 LETTER: VMRIJRMWPVCBR This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: VMRIJRMWPVCBR Insured Persons: Damien Long (21/12/24) Insured Address: Flat 65Z Georgina cove South Lewis , G5 8WE , United Kingdom Policy V alid: Sunday 22 September, 2019 to 27/02/21 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	VMRIJRMWPVCBR	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	27/02/21	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Sunday 22 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: Y/SYO2O.-V15DNTY3LVM6NU . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: Y/SYO2O.-V15DNTY3LVM6NU. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER Y/SYO2O.-V15DNTY3LVM6NU LEVEL OF COVER Silver DATE OF ISSUE 07/12/23 COVER PERIOD Wednesday 18 November, 2020 to 18/12/24 EXCESS* £0 ADDRESS Studio 63 Williams estate Lawrenceshire G29 6BTYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Stephen Taylor 2025-10-08 DESTINATIONS COVERED Mozambique OPTIONAL COVER ADDED Excess Waiver £9,441.49 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 2023-06-11 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 07/12/23 TRAVEL INSURANCE COVID-19 LETTER: Y/SYO2O.-V15DNTY3LVM6NU This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: Y/SYO2O.-V15DNTY3LVM6NU Insured Persons: Stephen Taylor (2025-10-08) Insured Address: Studio 63 Williams estate Lawrenceshire , G29 6BT , United Kingdom Policy V alid: Wednesday 18 November, 2020 to 18/12/24 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	Y/SYO2O.-V15DNTY3LVM6NU	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	18/12/24	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Wednesday 18 November, 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: 0TJEY0FX/PX7R4M0N/HR2KWI . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 0TJEY0FX/PX7R4M0N/HR2KWI. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 0TJEY0FX/PX7R4M0N/HR2KWI LEVEL OF COVER Silver DATE OF ISSUE 29/09/2019 COVER PERIOD Mon 12 July, 2021 to 19/02/2019 EXCESS* £0 ADDRESS 0 Morton prairie Bryanville S49 5XEYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Daniel Doherty 12/11/25 DESTINATIONS COVERED Poland OPTIONAL COVER ADDED Excess Waiver £3,881.32 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 Thu 18 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 29/09/2019 TRAVEL INSURANCE COVID-19 LETTER: 0TJEY0FX/PX7R4M0N/HR2KWI This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 0TJEY0FX/PX7R4M0N/HR2KWI Insured Persons: Daniel Doherty (12/11/25) Insured Address: 0 Morton prairie Bryanville , S49 5XE , United Kingdom Policy V alid: Mon 12 July, 2021 to 19/02/2019 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	0TJEY0FX/PX7R4M0N/HR2KWI	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	19/02/2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Mon 12 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: P_XG-APFVKHYTHY/LZ.A . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: P_XG-APFVKHYTHY/LZ.A. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER P_XG-APFVKHYTHY/LZ.A LEVEL OF COVER Silver DATE OF ISSUE 04 January, 2026 COVER PERIOD Monday 16 May, 2022 to 20/07/25 EXCESS* £0 ADDRESS Studio 09 Smith ridge North Carlchester N3C 0UJYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Douglas Harrison 18/05/25 DESTINATIONS COVERED Guinea OPTIONAL COVER ADDED Excess Waiver £1,231.52 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 Wed 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 04 January, 2026 TRAVEL INSURANCE COVID-19 LETTER: P_XG-APFVKHYTHY/LZ.A This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: P_XG-APFVKHYTHY/LZ.A Insured Persons: Douglas Harrison (18/05/25) Insured Address: Studio 09 Smith ridge North Carlchester , N3C 0UJ , United Kingdom Policy V alid: Monday 16 May, 2022 to 20/07/25 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	P_XG-APFVKHYTHY/LZ.A	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	20/07/25	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Monday 16 May, 2022	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: O0GDPR/FJIK4 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: O0GDPR/FJIK4. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER O0GDPR/FJIK4 LEVEL OF COVER Silver DATE OF ISSUE 24/07/23 COVER PERIOD Wed 14 June, 2023 to 18/07/2019 EXCESS* £0 ADDRESS Flat 4 Jill grove South Ronald W6 9BHYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Sophie Kirk Mon 13 March, 2023 DESTINATIONS COVERED Thailand OPTIONAL COVER ADDED Excess Waiver £3,574.25 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 08/02/2020 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 24/07/23 TRAVEL INSURANCE COVID-19 LETTER: O0GDPR/FJIK4 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: O0GDPR/FJIK4 Insured Persons: Sophie Kirk (Mon 13 March, 2023) Insured Address: Flat 4 Jill grove South Ronald , W6 9BH , United Kingdom Policy V alid: Wed 14 June, 2023 to 18/07/2019 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	O0GDPR/FJIK4	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	18/07/2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Wed 14 June, 2023	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: kqenolgcry-eovglg . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: kqenolgcry-eovglg. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER kqenolgcry-eovglg LEVEL OF COVER Silver DATE OF ISSUE Tuesday 16 December, 2025 COVER PERIOD Thursday 26 November, 2020 to 16/09/25 EXCESS* £0 ADDRESS Flat 36y Beth landing Lake Lucyton SE84 7JGYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Charles Bell Thursday 03 September, 2020 DESTINATIONS COVERED Hungary OPTIONAL COVER ADDED Excess Waiver £953.59 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 14/03/25 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 Tuesday 16 December, 2025 TRAVEL INSURANCE COVID-19 LETTER: kqenolgcry-eovglg This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: kqenolgcry-eovglg Insured Persons: Dr Charles Bell (Thursday 03 September, 2020) Insured Address: Flat 36y Beth landing Lake Lucyton , SE84 7JG , United Kingdom Policy V alid: Thursday 26 November, 2020 to 16/09/25 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	kqenolgcry-eovglg	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	16/09/25	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Thursday 26 November, 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: FU46_LTMHA/K5GHN . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: FU46_LTMHA/K5GHN. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER FU46_LTMHA/K5GHN LEVEL OF COVER Silver DATE OF ISSUE 2019-09-23 COVER PERIOD 18 August, 2021 to 2024-04-05 EXCESS* £0 ADDRESS 85 Barker junction Martinchester S9 4BDYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Paul Taylor 17/05/21 DESTINATIONS COVERED Somalia OPTIONAL COVER ADDED Excess Waiver £3,488.02 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 09 July, 2022 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2019-09-23 TRAVEL INSURANCE COVID-19 LETTER: FU46_LTMHA/K5GHN This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: FU46_LTMHA/K5GHN Insured Persons: Paul Taylor (17/05/21) Insured Address: 85 Barker junction Martinchester , S9 4BD , United Kingdom Policy V alid: 18 August, 2021 to 2024-04-05 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	FU46_LTMHA/K5GHN	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2024-04-05	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	18 August, 2021	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: ov-idp//fa-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: ov-idp//fa-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 ov-idp//fa-td LEVEL OF COVER Silver DATE OF ISSUE Tuesday 25 June, 2024 COVER PERIOD 05/11/2019 to Sunday 09 April, 2023 EXCESS* £0 ADDRESS 4 Preston causeway Victormouth E4J 5EAYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Jacob Bruce 22 January, 2022 DESTINATIONS COVERED China OPTIONAL COVER ADDED Excess Waiver £831.94 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 12 February, 2019 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Tuesday 25 June, 2024 TRAVEL INSURANCE COVID-19 LETTER: ov-idp//fa-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: ov-idp//fa-td Insured Persons: Mr Jacob Bruce (22 January, 2022) Insured Address: 4 Preston causeway Victormouth , E4J 5EA , United Kingdom Policy V alid: 05/11/2019 to Sunday 09 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	ov-idp//fa-td	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Sunday 09 April, 2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	05/11/2019	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: P_GMUYIOO . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: P_GMUYIOO. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER P_GMUYIOO LEVEL OF COVER Silver DATE OF ISSUE Tue 26 May, 2020 COVER PERIOD Mon 12 August, 2019 to 2024-01-04 EXCESS* £0 ADDRESS 76 Smith isle Yvonneton BH42 0JWYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Ms Barbara Knowles Tuesday 28 November, 2023 DESTINATIONS COVERED Anguilla OPTIONAL COVER ADDED Excess Waiver £6,981.36 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Wed 27 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 Tue 26 May, 2020 TRAVEL INSURANCE COVID-19 LETTER: P_GMUYIOO This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: P_GMUYIOO Insured Persons: Ms Barbara Knowles (Tuesday 28 November, 2023) Insured Address: 76 Smith isle Yvonneton , BH42 0JW , United Kingdom Policy V alid: Mon 12 August, 2019 to 2024-01-04 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	P_GMUYIOO	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2024-01-04	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Mon 12 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: 9SES537M7 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 9SES537M7. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 9SES537M7 LEVEL OF COVER Silver DATE OF ISSUE Saturday 01 February, 2025 COVER PERIOD 28/05/2025 to 01 May, 2019 EXCESS* £0 ADDRESS 865 Maria prairie Jamesfurt S6A 8EXYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mrs Kate Wilson 24/02/25 DESTINATIONS COVERED Reunion OPTIONAL COVER ADDED Excess Waiver £3,155.64 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 11/01/20 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 Saturday 01 February, 2025 TRAVEL INSURANCE COVID-19 LETTER: 9SES537M7 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 9SES537M7 Insured Persons: Mrs Kate Wilson (24/02/25) Insured Address: 865 Maria prairie Jamesfurt , S6A 8EX , United Kingdom Policy V alid: 28/05/2025 to 01 May, 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	9SES537M7	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	01 May, 2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	28/05/2025	(?<=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: DA-ZX437D . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: DA-ZX437D. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER DA-ZX437D LEVEL OF COVER Silver DATE OF ISSUE 16/02/2024 COVER PERIOD 10 January, 2026 to 07/07/23 EXCESS* £0 ADDRESS Studio 20f Hayley plains Louisview B7U 7XYYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Joseph Sharpe Mon 03 November, 2025 DESTINATIONS COVERED Samoa OPTIONAL COVER ADDED Excess Waiver £3,635.61 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Wed 27 February, 2019 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 16/02/2024 TRAVEL INSURANCE COVID-19 LETTER: DA-ZX437D This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: DA-ZX437D Insured Persons: Joseph Sharpe (Mon 03 November, 2025) Insured Address: Studio 20f Hayley plains Louisview , B7U 7XY , United Kingdom Policy V alid: 10 January, 2026 to 07/07/23 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	DA-ZX437D	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	07/07/23	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	10 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: DBT/6KYI/62K . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: DBT/6KYI/62K. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER DBT/6KYI/62K LEVEL OF COVER Silver DATE OF ISSUE Wed 08 May, 2019 COVER PERIOD 21 June, 2024 to 2022-03-29 EXCESS* £0 ADDRESS 0 Thomson run Taylorville E8D 4FJYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Allan Fox Sat 11 January, 2020 DESTINATIONS COVERED Greece OPTIONAL COVER ADDED Excess Waiver £2,339.54 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Monday 06 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 Wed 08 May, 2019 TRAVEL INSURANCE COVID-19 LETTER: DBT/6KYI/62K This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: DBT/6KYI/62K Insured Persons: Dr Allan Fox (Sat 11 January, 2020) Insured Address: 0 Thomson run Taylorville , E8D 4FJ , United Kingdom Policy V alid: 21 June, 2024 to 2022-03-29 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	DBT/6KYI/62K	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2022-03-29	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	21 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: 3228P/Y3Z_Y/N.UX4VJ0OED25 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 3228P/Y3Z_Y/N.UX4VJ0OED25. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 3228P/Y3Z_Y/N.UX4VJ0OED25 LEVEL OF COVER Silver DATE OF ISSUE Sun 09 June, 2019 COVER PERIOD 23 August, 2022 to 05/11/2020 EXCESS* £0 ADDRESS Flat 2 Carly harbors South Jonathan W5 7JXYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Vincent Brown 25 January, 2020 DESTINATIONS COVERED Martinique OPTIONAL COVER ADDED Excess Waiver £7,169.74 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 2019-11-15 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Sun 09 June, 2019 TRAVEL INSURANCE COVID-19 LETTER: 3228P/Y3Z_Y/N.UX4VJ0OED25 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 3228P/Y3Z_Y/N.UX4VJ0OED25 Insured Persons: Vincent Brown (25 January, 2020) Insured Address: Flat 2 Carly harbors South Jonathan , W5 7JX , United Kingdom Policy V alid: 23 August, 2022 to 05/11/2020 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	3228P/Y3Z_Y/N.UX4VJ0OED25	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	05/11/2020	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	23 August, 2022	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: 2QQ5V2CFF8I/ZBZUNXK . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 2QQ5V2CFF8I/ZBZUNXK. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 2QQ5V2CFF8I/ZBZUNXK LEVEL OF COVER Silver DATE OF ISSUE 19/08/2020 COVER PERIOD 2024-03-08 to Saturday 20 August, 2022 EXCESS* £0 ADDRESS 8 Hazel turnpike Lake Leanneshire BS8R 8EJYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Emma Lambert 02 April, 2020 DESTINATIONS COVERED Lebanon OPTIONAL COVER ADDED Excess Waiver £4,383.08 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 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 19/08/2020 TRAVEL INSURANCE COVID-19 LETTER: 2QQ5V2CFF8I/ZBZUNXK This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 2QQ5V2CFF8I/ZBZUNXK Insured Persons: Emma Lambert (02 April, 2020) Insured Address: 8 Hazel turnpike Lake Leanneshire , BS8R 8EJ , United Kingdom Policy V alid: 2024-03-08 to Saturday 20 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	2QQ5V2CFF8I/ZBZUNXK	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Saturday 20 August, 2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2024-03-08	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: VJU/RRRA . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: VJU/RRRA. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER VJU/RRRA LEVEL OF COVER Silver DATE OF ISSUE 2021-04-25 COVER PERIOD 12/11/2020 to 11/11/2019 EXCESS* £0 ADDRESS 262 Taylor overpass South Cameronville LE5 7GQYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Bethan Williams 03 September, 2024 DESTINATIONS COVERED Gambia OPTIONAL COVER ADDED Excess Waiver £930.06 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 2023-12-04 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2021-04-25 TRAVEL INSURANCE COVID-19 LETTER: VJU/RRRA This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: VJU/RRRA Insured Persons: Bethan Williams (03 September, 2024) Insured Address: 262 Taylor overpass South Cameronville , LE5 7GQ , United Kingdom Policy V alid: 12/11/2020 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	VJU/RRRA	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	11/11/2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	12/11/2020	(?<=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: ryzx_qlc . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: ryzx_qlc. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER ryzx_qlc LEVEL OF COVER Silver DATE OF ISSUE 28/03/24 COVER PERIOD 30/03/2022 to 19/10/24 EXCESS* £0 ADDRESS Studio 54Z Joel lock Andreatown BS75 5RWYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Valerie Harris Tuesday 21 April, 2020 DESTINATIONS COVERED Iceland OPTIONAL COVER ADDED Excess Waiver £7,817.46 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 Tuesday 06 January, 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 28/03/24 TRAVEL INSURANCE COVID-19 LETTER: ryzx_qlc This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: ryzx_qlc Insured Persons: Valerie Harris (Tuesday 21 April, 2020) Insured Address: Studio 54Z Joel lock Andreatown , BS75 5RW , United Kingdom Policy V alid: 30/03/2022 to 19/10/24 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	ryzx_qlc	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	19/10/24	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	30/03/2022	(?<=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: nzv/izpuke.imlg . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: nzv/izpuke.imlg. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER nzv/izpuke.imlg LEVEL OF COVER Silver DATE OF ISSUE 10/02/25 COVER PERIOD 09/03/2022 to 29 January, 2020 EXCESS* £0 ADDRESS Studio 40X Evans squares Brownton G1 1WDYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Hilary Taylor Mon 04 July, 2022 DESTINATIONS COVERED Monaco OPTIONAL COVER ADDED Excess Waiver £6,222.22 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 Thu 12 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 10/02/25 TRAVEL INSURANCE COVID-19 LETTER: nzv/izpuke.imlg This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: nzv/izpuke.imlg Insured Persons: Hilary Taylor (Mon 04 July, 2022) Insured Address: Studio 40X Evans squares Brownton , G1 1WD , United Kingdom Policy V alid: 09/03/2022 to 29 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	nzv/izpuke.imlg	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	29 January, 2020	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	09/03/2022	(?<=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: QFGOCSGGFDVV-I . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: QFGOCSGGFDVV-I. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER QFGOCSGGFDVV-I LEVEL OF COVER Silver DATE OF ISSUE 18/12/2023 COVER PERIOD 16/10/19 to Wed 04 August, 2021 EXCESS* £0 ADDRESS Studio 9 Gill ranch Kirstyton W3 5PZYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Elliot Hall 01/11/19 DESTINATIONS COVERED Guinea-Bissau OPTIONAL COVER ADDED Excess Waiver £7,869.08 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 Tue 17 March, 2020 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 18/12/2023 TRAVEL INSURANCE COVID-19 LETTER: QFGOCSGGFDVV-I This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: QFGOCSGGFDVV-I Insured Persons: Dr Elliot Hall (01/11/19) Insured Address: Studio 9 Gill ranch Kirstyton , W3 5PZ , United Kingdom Policy V alid: 16/10/19 to Wed 04 August, 2021 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	QFGOCSGGFDVV-I	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Wed 04 August, 2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	16/10/19	(?<=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: ES5_PLWMALQN1_9_3QV . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: ES5_PLWMALQN1_9_3QV. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER ES5_PLWMALQN1_9_3QV LEVEL OF COVER Silver DATE OF ISSUE 08/03/2021 COVER PERIOD Thursday 11 August, 2022 to 17 January, 2025 EXCESS* £0 ADDRESS Studio 7 Reid shoals Port Kevin EC0V 0PSYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Charles Pritchard 17/10/2019 DESTINATIONS COVERED United Arab Emirates OPTIONAL COVER ADDED Excess Waiver £3,734.62 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 17 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 08/03/2021 TRAVEL INSURANCE COVID-19 LETTER: ES5_PLWMALQN1_9_3QV This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: ES5_PLWMALQN1_9_3QV Insured Persons: Charles Pritchard (17/10/2019) Insured Address: Studio 7 Reid shoals Port Kevin , EC0V 0PS , United Kingdom Policy V alid: Thursday 11 August, 2022 to 17 January, 2025 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	ES5_PLWMALQN1_9_3QV	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	17 January, 2025	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Thursday 11 August, 2022	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: INA9P-ZQWDDJ . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: INA9P-ZQWDDJ. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER INA9P-ZQWDDJ LEVEL OF COVER Silver DATE OF ISSUE Monday 01 May, 2023 COVER PERIOD 2020-01-14 to Monday 16 January, 2023 EXCESS* £0 ADDRESS Flat 50 Kimberley bypass Wallacemouth N7K 4UGYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Declan Bailey Fri 17 December, 2021 DESTINATIONS COVERED Netherlands OPTIONAL COVER ADDED Excess Waiver £8,466.03 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Thu 25 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 Monday 01 May, 2023 TRAVEL INSURANCE COVID-19 LETTER: INA9P-ZQWDDJ This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: INA9P-ZQWDDJ Insured Persons: Declan Bailey (Fri 17 December, 2021) Insured Address: Flat 50 Kimberley bypass Wallacemouth , N7K 4UG , United Kingdom Policy V alid: 2020-01-14 to Monday 16 January, 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	INA9P-ZQWDDJ	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Monday 16 January, 2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2020-01-14	(?<=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: JUTCAR/MS_UXW_CHQELJUQH . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: JUTCAR/MS_UXW_CHQELJUQH. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER JUTCAR/MS_UXW_CHQELJUQH LEVEL OF COVER Silver DATE OF ISSUE Sun 18 May, 2025 COVER PERIOD 10 June, 2019 to 30/09/2024 EXCESS* £0 ADDRESS 429 Middleton port Jonathanland TS88 5QUYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Miss Chelsea Ryan Friday 02 May, 2025 DESTINATIONS COVERED Norfolk Island OPTIONAL COVER ADDED Excess Waiver £211.90 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 2025-09-21 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 Sun 18 May, 2025 TRAVEL INSURANCE COVID-19 LETTER: JUTCAR/MS_UXW_CHQELJUQH This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: JUTCAR/MS_UXW_CHQELJUQH Insured Persons: Miss Chelsea Ryan (Friday 02 May, 2025) Insured Address: 429 Middleton port Jonathanland , TS88 5QU , United Kingdom Policy V alid: 10 June, 2019 to 30/09/2024 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	JUTCAR/MS_UXW_CHQELJUQH	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	30/09/2024	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	10 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: 1UBPO/54N/2N . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 1UBPO/54N/2N. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 1UBPO/54N/2N LEVEL OF COVER Silver DATE OF ISSUE Friday 14 November, 2025 COVER PERIOD Thursday 06 February, 2025 to 14/10/2023 EXCESS* £0 ADDRESS Flat 2 Roy green Howemouth E36 1ZDYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Terence Richardson Sun 16 June, 2024 DESTINATIONS COVERED Gambia OPTIONAL COVER ADDED Excess Waiver £1,948.30 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 2023-02-16 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 Friday 14 November, 2025 TRAVEL INSURANCE COVID-19 LETTER: 1UBPO/54N/2N This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 1UBPO/54N/2N Insured Persons: Mr Terence Richardson (Sun 16 June, 2024) Insured Address: Flat 2 Roy green Howemouth , E36 1ZD , United Kingdom Policy V alid: Thursday 06 February, 2025 to 14/10/2023 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	1UBPO/54N/2N	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	14/10/2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Thursday 06 February, 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: E/GODPE/ZWIXOAXXMQTM . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: E/GODPE/ZWIXOAXXMQTM. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER E/GODPE/ZWIXOAXXMQTM LEVEL OF COVER Silver DATE OF ISSUE Thursday 23 January, 2020 COVER PERIOD 03/01/21 to 18/07/20 EXCESS* £0 ADDRESS 6 Moore ways Amyport NG2 9EHYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Ross Moore 2023-12-14 DESTINATIONS COVERED Kenya OPTIONAL COVER ADDED Excess Waiver £6,919.55 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 04/09/25 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 Thursday 23 January, 2020 TRAVEL INSURANCE COVID-19 LETTER: E/GODPE/ZWIXOAXXMQTM This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: E/GODPE/ZWIXOAXXMQTM Insured Persons: Dr Ross Moore (2023-12-14) Insured Address: 6 Moore ways Amyport , NG2 9EH , United Kingdom Policy V alid: 03/01/21 to 18/07/20 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	E/GODPE/ZWIXOAXXMQTM	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	18/07/20	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	03/01/21	(?<=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: ex_szlf_ze . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: ex_szlf_ze. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER ex_szlf_ze LEVEL OF COVER Silver DATE OF ISSUE 2019-08-19 COVER PERIOD 19/06/19 to 11/10/2019 EXCESS* £0 ADDRESS 709 Carl isle Connorhaven TQ9 2FXYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Robin Roberts 16 November, 2025 DESTINATIONS COVERED Vanuatu OPTIONAL COVER ADDED Excess Waiver £1,882.04 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Friday 10 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 2019-08-19 TRAVEL INSURANCE COVID-19 LETTER: ex_szlf_ze This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: ex_szlf_ze Insured Persons: Robin Roberts (16 November, 2025) Insured Address: 709 Carl isle Connorhaven , TQ9 2FX , United Kingdom Policy V alid: 19/06/19 to 11/10/2019 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	ex_szlf_ze	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	11/10/2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	19/06/19	(?<=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: N6AYAS0.FX82X-AF0-DLMHI . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: N6AYAS0.FX82X-AF0-DLMHI. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER N6AYAS0.FX82X-AF0-DLMHI LEVEL OF COVER Silver DATE OF ISSUE Mon 25 May, 2020 COVER PERIOD 2025-11-28 to Tuesday 08 October, 2019 EXCESS* £0 ADDRESS Flat 41 Norris neck Port Charlotteview CB7 8SZYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Karl Sims 13/02/21 DESTINATIONS COVERED Spain OPTIONAL COVER ADDED Excess Waiver £8,690.95 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona 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 10 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 Mon 25 May, 2020 TRAVEL INSURANCE COVID-19 LETTER: N6AYAS0.FX82X-AF0-DLMHI This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: N6AYAS0.FX82X-AF0-DLMHI Insured Persons: Karl Sims (13/02/21) Insured Address: Flat 41 Norris neck Port Charlotteview , CB7 8SZ , United Kingdom Policy V alid: 2025-11-28 to Tuesday 08 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	N6AYAS0.FX82X-AF0-DLMHI	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Tuesday 08 October, 2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2025-11-28	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: QUC.HTIIQQ_TIMGPQHPRBGS . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: QUC.HTIIQQ_TIMGPQHPRBGS. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER QUC.HTIIQQ_TIMGPQHPRBGS LEVEL OF COVER Silver DATE OF ISSUE Monday 22 July, 2024 COVER PERIOD 2022-04-30 to 22 August, 2025 EXCESS* £0 ADDRESS Studio 50 Hill ranch New Jade E8W 3ALYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Gemma Lowe 08/06/19 DESTINATIONS COVERED Lao People's Democratic Republic OPTIONAL COVER ADDED Excess Waiver £8,830.39 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 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 Monday 22 July, 2024 TRAVEL INSURANCE COVID-19 LETTER: QUC.HTIIQQ_TIMGPQHPRBGS This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: QUC.HTIIQQ_TIMGPQHPRBGS Insured Persons: Gemma Lowe (08/06/19) Insured Address: Studio 50 Hill ranch New Jade , E8W 3AL , United Kingdom Policy V alid: 2022-04-30 to 22 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	QUC.HTIIQQ_TIMGPQHPRBGS	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	22 August, 2025	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2022-04-30	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: KYQC2FRS4P . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: KYQC2FRS4P. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER KYQC2FRS4P LEVEL OF COVER Silver DATE OF ISSUE 2021-04-08 COVER PERIOD 25/12/2023 to 18/10/24 EXCESS* £0 ADDRESS Flat 6 Ryan dam Lake Dylanton W1J 9HRYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Ms Chloe Donnelly 08/09/2020 DESTINATIONS COVERED Norway OPTIONAL COVER ADDED Excess Waiver £6,351.17 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 15/02/2023 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2021-04-08 TRAVEL INSURANCE COVID-19 LETTER: KYQC2FRS4P This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: KYQC2FRS4P Insured Persons: Ms Chloe Donnelly (08/09/2020) Insured Address: Flat 6 Ryan dam Lake Dylanton , W1J 9HR , United Kingdom Policy V alid: 25/12/2023 to 18/10/24 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	KYQC2FRS4P	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	18/10/24	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	25/12/2023	(?<=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: t/h/w.vucovr . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: t/h/w.vucovr. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER t/h/w.vucovr LEVEL OF COVER Silver DATE OF ISSUE 29/08/2020 COVER PERIOD 19/06/25 to 31/12/2019 EXCESS* £0 ADDRESS 4 Fry fall New Lee L70 3GBYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Michael Ellis 12/10/2020 DESTINATIONS COVERED Venezuela OPTIONAL COVER ADDED Excess Waiver £9,291.17 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Sat 20 July, 2019 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 29/08/2020 TRAVEL INSURANCE COVID-19 LETTER: t/h/w.vucovr This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: t/h/w.vucovr Insured Persons: Michael Ellis (12/10/2020) Insured Address: 4 Fry fall New Lee , L70 3GB , United Kingdom Policy V alid: 19/06/25 to 31/12/2019 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	t/h/w.vucovr	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	31/12/2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	19/06/25	(?<=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: 2RA05CK21UCV15S . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 2RA05CK21UCV15S. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 2RA05CK21UCV15S LEVEL OF COVER Silver DATE OF ISSUE 02/01/20 COVER PERIOD 2026-01-23 to Monday 19 December, 2022 EXCESS* £0 ADDRESS 3 Walsh mount South Jeffreyview BR9P 5EQYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Ellie Gould 01/07/2020 DESTINATIONS COVERED Saint Helena OPTIONAL COVER ADDED Excess Waiver £3,964.19 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 24/05/2024 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 02/01/20 TRAVEL INSURANCE COVID-19 LETTER: 2RA05CK21UCV15S This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 2RA05CK21UCV15S Insured Persons: Ellie Gould (01/07/2020) Insured Address: 3 Walsh mount South Jeffreyview , BR9P 5EQ , United Kingdom Policy V alid: 2026-01-23 to Monday 19 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	2RA05CK21UCV15S	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Monday 19 December, 2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2026-01-23	(?<=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: NLJJSEJTPZZEIHFYE/QAGPX . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: NLJJSEJTPZZEIHFYE/QAGPX. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER NLJJSEJTPZZEIHFYE/QAGPX LEVEL OF COVER Silver DATE OF ISSUE Monday 19 August, 2024 COVER PERIOD Tue 03 October, 2023 to 2022-08-31 EXCESS* £0 ADDRESS Flat 17T Naomi summit Port Adrian N08 1NBYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Thomas Ryan 06/11/2020 DESTINATIONS COVERED Jersey OPTIONAL COVER ADDED Excess Waiver £5,544.64 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 19/09/25 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 Monday 19 August, 2024 TRAVEL INSURANCE COVID-19 LETTER: NLJJSEJTPZZEIHFYE/QAGPX This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: NLJJSEJTPZZEIHFYE/QAGPX Insured Persons: Mr Thomas Ryan (06/11/2020) Insured Address: Flat 17T Naomi summit Port Adrian , N08 1NB , United Kingdom Policy V alid: Tue 03 October, 2023 to 2022-08-31 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	NLJJSEJTPZZEIHFYE/QAGPX	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2022-08-31	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Tue 03 October, 2023	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: G22T-X7EC/71ZTMLRZ . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: G22T-X7EC/71ZTMLRZ. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER G22T-X7EC/71ZTMLRZ LEVEL OF COVER Silver DATE OF ISSUE 31/12/19 COVER PERIOD 23/04/23 to 24/04/21 EXCESS* £0 ADDRESS 5 Molly cove Dennischester IG2A 2AZYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Stanley Morgan Friday 29 November, 2024 DESTINATIONS COVERED Faroe Islands OPTIONAL COVER ADDED Excess Waiver £5,770.20 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 23 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 31/12/19 TRAVEL INSURANCE COVID-19 LETTER: G22T-X7EC/71ZTMLRZ This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: G22T-X7EC/71ZTMLRZ Insured Persons: Dr Stanley Morgan (Friday 29 November, 2024) Insured Address: 5 Molly cove Dennischester , IG2A 2AZ , United Kingdom Policy V alid: 23/04/23 to 24/04/21 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	G22T-X7EC/71ZTMLRZ	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	24/04/21	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	23/04/23	(?<=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: 7NT34UWZ/T/YSP1 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 7NT34UWZ/T/YSP1. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 7NT34UWZ/T/YSP1 LEVEL OF COVER Silver DATE OF ISSUE 27/11/2025 COVER PERIOD 06/07/22 to 2024-04-11 EXCESS* £0 ADDRESS Flat 35A Kerr crest Burnsville S72 2TZYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Ms Rosemary Ward 03/06/19 DESTINATIONS COVERED Suriname OPTIONAL COVER ADDED Excess Waiver £2,950.61 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 2022-07-15 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 27/11/2025 TRAVEL INSURANCE COVID-19 LETTER: 7NT34UWZ/T/YSP1 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 7NT34UWZ/T/YSP1 Insured Persons: Ms Rosemary Ward (03/06/19) Insured Address: Flat 35A Kerr crest Burnsville , S72 2TZ , United Kingdom Policy V alid: 06/07/22 to 2024-04-11 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	7NT34UWZ/T/YSP1	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2024-04-11	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	06/07/22	(?<=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: Y/N61Q.9RK . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: Y/N61Q.9RK. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER Y/N61Q.9RK LEVEL OF COVER Silver DATE OF ISSUE 23 February, 2021 COVER PERIOD 06/11/2022 to Thursday 07 April, 2022 EXCESS* £0 ADDRESS Flat 97E Reynolds course North Donna N3 6RWYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Albert McKenzie Mon 24 October, 2022 DESTINATIONS COVERED Haiti OPTIONAL COVER ADDED Excess Waiver £6,924.45 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 2019-06-02 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 23 February, 2021 TRAVEL INSURANCE COVID-19 LETTER: Y/N61Q.9RK This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: Y/N61Q.9RK Insured Persons: Albert McKenzie (Mon 24 October, 2022) Insured Address: Flat 97E Reynolds course North Donna , N3 6RW , United Kingdom Policy V alid: 06/11/2022 to Thursday 07 April, 2022 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	Y/N61Q.9RK	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Thursday 07 April, 2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	06/11/2022	(?<=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: ikbl/qiazlcl . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: ikbl/qiazlcl. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER ikbl/qiazlcl LEVEL OF COVER Silver DATE OF ISSUE 2021-11-22 COVER PERIOD 22 February, 2023 to 2022-03-23 EXCESS* £0 ADDRESS Studio 45U Bruce brooks Lake Beverleyburgh EH7P 6YWYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Barbara Chambers Sun 02 February, 2020 DESTINATIONS COVERED Tajikistan OPTIONAL COVER ADDED Excess Waiver £7,497.53 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 22 October, 2019 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2021-11-22 TRAVEL INSURANCE COVID-19 LETTER: ikbl/qiazlcl This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: ikbl/qiazlcl Insured Persons: Barbara Chambers (Sun 02 February, 2020) Insured Address: Studio 45U Bruce brooks Lake Beverleyburgh , EH7P 6YW , United Kingdom Policy V alid: 22 February, 2023 to 2022-03-23 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	ikbl/qiazlcl	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2022-03-23	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	22 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: YOJCSLHLUORNEZFFY . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: YOJCSLHLUORNEZFFY. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER YOJCSLHLUORNEZFFY LEVEL OF COVER Silver DATE OF ISSUE Wednesday 06 January, 2021 COVER PERIOD Wednesday 08 July, 2020 to Wednesday 11 November, 2020 EXCESS* £0 ADDRESS 176 Barton hill Jonesshire B95 1JNYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Albert Scott-Johnson 22/04/22 DESTINATIONS COVERED Bahrain OPTIONAL COVER ADDED Excess Waiver £355.18 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 Friday 02 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 Wednesday 06 January, 2021 TRAVEL INSURANCE COVID-19 LETTER: YOJCSLHLUORNEZFFY This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: YOJCSLHLUORNEZFFY Insured Persons: Albert Scott-Johnson (22/04/22) Insured Address: 176 Barton hill Jonesshire , B95 1JN , United Kingdom Policy V alid: Wednesday 08 July, 2020 to Wednesday 11 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	YOJCSLHLUORNEZFFY	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Wednesday 11 November, 2020	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Wednesday 08 July, 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: 1K-KOWII . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 1K-KOWII. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 1K-KOWII LEVEL OF COVER Silver DATE OF ISSUE 2023-06-20 COVER PERIOD 10/08/19 to 27/05/2022 EXCESS* £0 ADDRESS Flat 06 Newman greens Port James N6 5BWYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Sarah Read Sun 20 April, 2025 DESTINATIONS COVERED Pitcairn Islands OPTIONAL COVER ADDED Excess Waiver £2,911.26 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 30/12/2021 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 2023-06-20 TRAVEL INSURANCE COVID-19 LETTER: 1K-KOWII This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 1K-KOWII Insured Persons: Sarah Read (Sun 20 April, 2025) Insured Address: Flat 06 Newman greens Port James , N6 5BW , United Kingdom Policy V alid: 10/08/19 to 27/05/2022 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	1K-KOWII	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	27/05/2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	10/08/19	(?<=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: B/H4_X_R7YW/QS_X7SHWEI . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: B/H4_X_R7YW/QS_X7SHWEI. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER B/H4_X_R7YW/QS_X7SHWEI LEVEL OF COVER Silver DATE OF ISSUE 18 March, 2024 COVER PERIOD 13/01/2021 to 2022-07-14 EXCESS* £0 ADDRESS Flat 82V Oliver meadows Harrisonmouth N20 5YTYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Callum Wallace 26/05/2025 DESTINATIONS COVERED Ethiopia OPTIONAL COVER ADDED Excess Waiver £1,419.20 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 15/04/2019 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 18 March, 2024 TRAVEL INSURANCE COVID-19 LETTER: B/H4_X_R7YW/QS_X7SHWEI This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: B/H4_X_R7YW/QS_X7SHWEI Insured Persons: Callum Wallace (26/05/2025) Insured Address: Flat 82V Oliver meadows Harrisonmouth , N20 5YT , United Kingdom Policy V alid: 13/01/2021 to 2022-07-14 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	B/H4_X_R7YW/QS_X7SHWEI	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2022-07-14	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	13/01/2021	(?<=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: 16FDTY7XXWN8NF . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 16FDTY7XXWN8NF. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 16FDTY7XXWN8NF LEVEL OF COVER Silver DATE OF ISSUE 09/11/23 COVER PERIOD 27 May, 2022 to Thursday 14 May, 2020 EXCESS* £0 ADDRESS Studio 80 Jean landing Robertstown W19 1LGYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Lawrence Lucas 17/06/23 DESTINATIONS COVERED Bhutan OPTIONAL COVER ADDED Excess Waiver £2,145.16 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 31 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 09/11/23 TRAVEL INSURANCE COVID-19 LETTER: 16FDTY7XXWN8NF This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 16FDTY7XXWN8NF Insured Persons: Lawrence Lucas (17/06/23) Insured Address: Studio 80 Jean landing Robertstown , W19 1LG , United Kingdom Policy V alid: 27 May, 2022 to Thursday 14 May, 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	16FDTY7XXWN8NF	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Thursday 14 May, 2020	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	27 May, 2022	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: 8CXDSW1 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 8CXDSW1. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 8CXDSW1 LEVEL OF COVER Silver DATE OF ISSUE 01/09/2021 COVER PERIOD 23/02/20 to 24 August, 2020 EXCESS* £0 ADDRESS 598 Jones camp Morganchester ME07 5EBYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Laura Hunt 2024-06-04 DESTINATIONS COVERED Marshall Islands OPTIONAL COVER ADDED Excess Waiver £3,631.87 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 22 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 01/09/2021 TRAVEL INSURANCE COVID-19 LETTER: 8CXDSW1 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 8CXDSW1 Insured Persons: Laura Hunt (2024-06-04) Insured Address: 598 Jones camp Morganchester , ME07 5EB , United Kingdom Policy V alid: 23/02/20 to 24 August, 2020 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	8CXDSW1	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	24 August, 2020	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	23/02/20	(?<=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: KFRPLE_H05GEKH1 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: KFRPLE_H05GEKH1. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER KFRPLE_H05GEKH1 LEVEL OF COVER Silver DATE OF ISSUE 24 November, 2023 COVER PERIOD 06 May, 2023 to Tue 02 February, 2021 EXCESS* £0 ADDRESS 81 Kirsty square Aaronchester TW2E 6YGYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Hollie Allen Sun 15 October, 2023 DESTINATIONS COVERED Suriname OPTIONAL COVER ADDED Excess Waiver £6,686.20 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 01/11/2020 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 24 November, 2023 TRAVEL INSURANCE COVID-19 LETTER: KFRPLE_H05GEKH1 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: KFRPLE_H05GEKH1 Insured Persons: Hollie Allen (Sun 15 October, 2023) Insured Address: 81 Kirsty square Aaronchester , TW2E 6YG , United Kingdom Policy V alid: 06 May, 2023 to Tue 02 February, 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	KFRPLE_H05GEKH1	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Tue 02 February, 2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	06 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: 999B-9TGMZ . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 999B-9TGMZ. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 999B-9TGMZ LEVEL OF COVER Silver DATE OF ISSUE 2025-06-12 COVER PERIOD 16/01/2026 to 22/09/21 EXCESS* £0 ADDRESS Studio 8 Mohammed dam West Frederick OX02 2JRYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Lauren Walsh 06/03/2025 DESTINATIONS COVERED Belarus OPTIONAL COVER ADDED Excess Waiver £9,100.60 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 01/12/2025 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2025-06-12 TRAVEL INSURANCE COVID-19 LETTER: 999B-9TGMZ This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 999B-9TGMZ Insured Persons: Lauren Walsh (06/03/2025) Insured Address: Studio 8 Mohammed dam West Frederick , OX02 2JR , United Kingdom Policy V alid: 16/01/2026 to 22/09/21 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	999B-9TGMZ	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	22/09/21	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	16/01/2026	(?<=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: Q7KP/F8D048KN6FMJ9-/XHJY . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: Q7KP/F8D048KN6FMJ9-/XHJY. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER Q7KP/F8D048KN6FMJ9-/XHJY LEVEL OF COVER Silver DATE OF ISSUE Sat 15 April, 2023 COVER PERIOD 29/07/2020 to 25/05/19 EXCESS* £0 ADDRESS 025 Harris center Gavinbury DN9W 6AYYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Charlotte Miller 2022-04-04 DESTINATIONS COVERED Maldives OPTIONAL COVER ADDED Excess Waiver £8,758.57 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 02/01/25 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 Sat 15 April, 2023 TRAVEL INSURANCE COVID-19 LETTER: Q7KP/F8D048KN6FMJ9-/XHJY This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: Q7KP/F8D048KN6FMJ9-/XHJY Insured Persons: Charlotte Miller (2022-04-04) Insured Address: 025 Harris center Gavinbury , DN9W 6AY , United Kingdom Policy V alid: 29/07/2020 to 25/05/19 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	Q7KP/F8D048KN6FMJ9-/XHJY	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	25/05/19	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	29/07/2020	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: 4GZ-K9VL8DKRDK . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 4GZ-K9VL8DKRDK. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 4GZ-K9VL8DKRDK LEVEL OF COVER Silver DATE OF ISSUE 2022-11-04 COVER PERIOD 2020-03-27 to 18/03/2022 EXCESS* £0 ADDRESS 7 Sandra center Port Albertfort SA7N 6HBYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Adam Johnson 13/08/2021 DESTINATIONS COVERED Vietnam OPTIONAL COVER ADDED Excess Waiver £7,944.89 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Wed 11 May, 2022 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2022-11-04 TRAVEL INSURANCE COVID-19 LETTER: 4GZ-K9VL8DKRDK This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 4GZ-K9VL8DKRDK Insured Persons: Dr Adam Johnson (13/08/2021) Insured Address: 7 Sandra center Port Albertfort , SA7N 6HB , United Kingdom Policy V alid: 2020-03-27 to 18/03/2022 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	4GZ-K9VL8DKRDK	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	18/03/2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2020-03-27	(?<=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: SDTROCCLDVH/JA/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: SDTROCCLDVH/JA/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 SDTROCCLDVH/JA/D LEVEL OF COVER Silver DATE OF ISSUE 24/06/2021 COVER PERIOD 28 April, 2020 to Sat 10 May, 2025 EXCESS* £0 ADDRESS 30 Bennett skyway Thompsonton W3 3PEYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Shannon Atkinson Thu 12 September, 2024 DESTINATIONS COVERED Jordan OPTIONAL COVER ADDED Excess Waiver £8,609.94 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 07 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 24/06/2021 TRAVEL INSURANCE COVID-19 LETTER: SDTROCCLDVH/JA/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: SDTROCCLDVH/JA/D Insured Persons: Shannon Atkinson (Thu 12 September, 2024) Insured Address: 30 Bennett skyway Thompsonton , W3 3PE , United Kingdom Policy V alid: 28 April, 2020 to Sat 10 May, 2025 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	SDTROCCLDVH/JA/D	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Sat 10 May, 2025	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	28 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: TXUVWBGJECQWTPHK . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: TXUVWBGJECQWTPHK. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER TXUVWBGJECQWTPHK LEVEL OF COVER Silver DATE OF ISSUE Fri 27 September, 2019 COVER PERIOD 2022-04-28 to 22 February, 2023 EXCESS* £0 ADDRESS Flat 67m Alexandra path East Samantha TR9V 9NFYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Hilary Ford-Cooper 17/03/24 DESTINATIONS COVERED Honduras OPTIONAL COVER ADDED Excess Waiver £3,049.11 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Mon 20 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 Fri 27 September, 2019 TRAVEL INSURANCE COVID-19 LETTER: TXUVWBGJECQWTPHK This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: TXUVWBGJECQWTPHK Insured Persons: Hilary Ford-Cooper (17/03/24) Insured Address: Flat 67m Alexandra path East Samantha , TR9V 9NF , United Kingdom Policy V alid: 2022-04-28 to 22 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	TXUVWBGJECQWTPHK	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	22 February, 2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2022-04-28	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: S4FNA3Z0GOZ4TTO . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: S4FNA3Z0GOZ4TTO. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER S4FNA3Z0GOZ4TTO LEVEL OF COVER Silver DATE OF ISSUE 24 January, 2023 COVER PERIOD 2020-01-29 to Tue 20 October, 2020 EXCESS* £0 ADDRESS 8 Jemma turnpike East Joelshire S2T 8DQYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mrs Melissa Abbott 21 September, 2024 DESTINATIONS COVERED Russian Federation OPTIONAL COVER ADDED Excess Waiver £6,744.41 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Sat 28 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 24 January, 2023 TRAVEL INSURANCE COVID-19 LETTER: S4FNA3Z0GOZ4TTO This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: S4FNA3Z0GOZ4TTO Insured Persons: Mrs Melissa Abbott (21 September, 2024) Insured Address: 8 Jemma turnpike East Joelshire , S2T 8DQ , United Kingdom Policy V alid: 2020-01-29 to Tue 20 October, 2020 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	S4FNA3Z0GOZ4TTO	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Tue 20 October, 2020	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2020-01-29	(?<=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: KPI070/B2R8VB/Z9 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: KPI070/B2R8VB/Z9. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER KPI070/B2R8VB/Z9 LEVEL OF COVER Silver DATE OF ISSUE 03/09/19 COVER PERIOD 2023-03-22 to 2024-12-02 EXCESS* £0 ADDRESS Studio 4 Sara green Wrightborough L44 7NJYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Abdul Butcher 26/06/22 DESTINATIONS COVERED Iran OPTIONAL COVER ADDED Excess Waiver £4,375.13 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 Tuesday 14 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 03/09/19 TRAVEL INSURANCE COVID-19 LETTER: KPI070/B2R8VB/Z9 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: KPI070/B2R8VB/Z9 Insured Persons: Abdul Butcher (26/06/22) Insured Address: Studio 4 Sara green Wrightborough , L44 7NJ , United Kingdom Policy V alid: 2023-03-22 to 2024-12-02 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	KPI070/B2R8VB/Z9	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2024-12-02	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2023-03-22	(?<=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: IRK0XT3Y/0WT6W . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: IRK0XT3Y/0WT6W. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER IRK0XT3Y/0WT6W LEVEL OF COVER Silver DATE OF ISSUE Monday 24 June, 2019 COVER PERIOD 31/12/2024 to Mon 17 April, 2023 EXCESS* £0 ADDRESS Flat 32 Daniel rapids Lake Lisa CB6H 2XLYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Caroline Walton-Clark 18 March, 2024 DESTINATIONS COVERED Sierra Leone OPTIONAL COVER ADDED Excess Waiver £8,781.10 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Monday 01 April, 2024 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Monday 24 June, 2019 TRAVEL INSURANCE COVID-19 LETTER: IRK0XT3Y/0WT6W This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: IRK0XT3Y/0WT6W Insured Persons: Caroline Walton-Clark (18 March, 2024) Insured Address: Flat 32 Daniel rapids Lake Lisa , CB6H 2XL , United Kingdom Policy V alid: 31/12/2024 to Mon 17 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	IRK0XT3Y/0WT6W	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Mon 17 April, 2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	31/12/2024	(?<=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: SPIEHHLWEAFAN-ZBC . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: SPIEHHLWEAFAN-ZBC. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER SPIEHHLWEAFAN-ZBC LEVEL OF COVER Silver DATE OF ISSUE 18/03/21 COVER PERIOD 26/06/2019 to Sun 05 June, 2022 EXCESS* £0 ADDRESS 044 Price avenue Eileenchester M8H 3RPYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Tracey Hopkins Monday 06 May, 2024 DESTINATIONS COVERED Tunisia OPTIONAL COVER ADDED Excess Waiver £5,219.03 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Sat 04 December, 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 18/03/21 TRAVEL INSURANCE COVID-19 LETTER: SPIEHHLWEAFAN-ZBC This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: SPIEHHLWEAFAN-ZBC Insured Persons: Tracey Hopkins (Monday 06 May, 2024) Insured Address: 044 Price avenue Eileenchester , M8H 3RP , United Kingdom Policy V alid: 26/06/2019 to Sun 05 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	SPIEHHLWEAFAN-ZBC	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Sun 05 June, 2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	26/06/2019	(?<=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: X4ET67Q . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: X4ET67Q. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER X4ET67Q LEVEL OF COVER Silver DATE OF ISSUE 16/08/2021 COVER PERIOD 17/08/2025 to 02/09/19 EXCESS* £0 ADDRESS Flat 71 Ian skyway New Arthurton E64 1JLYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Nicholas Rhodes 09/06/24 DESTINATIONS COVERED Guam OPTIONAL COVER ADDED Excess Waiver £6,512.86 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Friday 19 July, 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 16/08/2021 TRAVEL INSURANCE COVID-19 LETTER: X4ET67Q This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: X4ET67Q Insured Persons: Nicholas Rhodes (09/06/24) Insured Address: Flat 71 Ian skyway New Arthurton , E64 1JL , United Kingdom Policy V alid: 17/08/2025 to 02/09/19 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	X4ET67Q	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	02/09/19	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	17/08/2025	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: INEPLCCO./E-R6D . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: INEPLCCO./E-R6D. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER INEPLCCO./E-R6D LEVEL OF COVER Silver DATE OF ISSUE 28/06/19 COVER PERIOD Sat 14 May, 2022 to 05/12/23 EXCESS* £0 ADDRESS Studio 72w Brian unions Damianburgh CR06 1ATYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Lesley Scott 25/05/2023 DESTINATIONS COVERED Switzerland OPTIONAL COVER ADDED Excess Waiver £3,679.98 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 Monday 22 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 28/06/19 TRAVEL INSURANCE COVID-19 LETTER: INEPLCCO./E-R6D This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: INEPLCCO./E-R6D Insured Persons: Lesley Scott (25/05/2023) Insured Address: Studio 72w Brian unions Damianburgh , CR06 1AT , United Kingdom Policy V alid: Sat 14 May, 2022 to 05/12/23 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	INEPLCCO./E-R6D	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	05/12/23	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Sat 14 May, 2022	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: dhyxthvyxzmnxvsxj-wzoh . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: dhyxthvyxzmnxvsxj-wzoh. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER dhyxthvyxzmnxvsxj-wzoh LEVEL OF COVER Silver DATE OF ISSUE Fri 29 March, 2019 COVER PERIOD 10 April, 2024 to Thu 24 September, 2020 EXCESS* £0 ADDRESS Studio 40 Jeffrey squares Kathleenland TR2 1YDYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Nathan Hall-Randall 07/02/2024 DESTINATIONS COVERED Christmas Island OPTIONAL COVER ADDED Excess Waiver £3,203.82 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 Wed 14 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 Fri 29 March, 2019 TRAVEL INSURANCE COVID-19 LETTER: dhyxthvyxzmnxvsxj-wzoh This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: dhyxthvyxzmnxvsxj-wzoh Insured Persons: Nathan Hall-Randall (07/02/2024) Insured Address: Studio 40 Jeffrey squares Kathleenland , TR2 1YD , United Kingdom Policy V alid: 10 April, 2024 to Thu 24 September, 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	dhyxthvyxzmnxvsxj-wzoh	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Thu 24 September, 2020	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	10 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: JYEKMYCKTJRM-SLSZGEHWOM . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: JYEKMYCKTJRM-SLSZGEHWOM. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER JYEKMYCKTJRM-SLSZGEHWOM LEVEL OF COVER Silver DATE OF ISSUE Sun 26 January, 2025 COVER PERIOD 30/06/21 to 01 September, 2019 EXCESS* £0 ADDRESS Studio 31a O'Connor camp East Dannyport IP5 3NBYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Elizabeth Watson-Dixon Thursday 08 January, 2026 DESTINATIONS COVERED Barbados OPTIONAL COVER ADDED Excess Waiver £9,613.43 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona 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 29 April, 2020 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Sun 26 January, 2025 TRAVEL INSURANCE COVID-19 LETTER: JYEKMYCKTJRM-SLSZGEHWOM This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: JYEKMYCKTJRM-SLSZGEHWOM Insured Persons: Elizabeth Watson-Dixon (Thursday 08 January, 2026) Insured Address: Studio 31a O'Connor camp East Dannyport , IP5 3NB , United Kingdom Policy V alid: 30/06/21 to 01 September, 2019 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	JYEKMYCKTJRM-SLSZGEHWOM	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	01 September, 2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	30/06/21	(?<=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: DB_OYJZDF . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: DB_OYJZDF. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER DB_OYJZDF LEVEL OF COVER Silver DATE OF ISSUE Tuesday 05 March, 2019 COVER PERIOD 20 August, 2024 to 25 February, 2019 EXCESS* £0 ADDRESS Studio 05 Lisa brook East Stacey BN15 9PDYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Luke Watson-Patel 17/01/23 DESTINATIONS COVERED Afghanistan OPTIONAL COVER ADDED Excess Waiver £4,462.17 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 23 August, 2025 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Tuesday 05 March, 2019 TRAVEL INSURANCE COVID-19 LETTER: DB_OYJZDF This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: DB_OYJZDF Insured Persons: Luke Watson-Patel (17/01/23) Insured Address: Studio 05 Lisa brook East Stacey , BN15 9PD , United Kingdom Policy V alid: 20 August, 2024 to 25 February, 2019 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	DB_OYJZDF	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	25 February, 2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	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: Z3SEUW78BHD . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: Z3SEUW78BHD. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER Z3SEUW78BHD LEVEL OF COVER Silver DATE OF ISSUE 06/08/24 COVER PERIOD 2023-06-12 to 27/05/2023 EXCESS* £0 ADDRESS Studio 1 Annette walks Buckleyberg DD2N 9QFYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Sheila Thompson Thursday 13 June, 2019 DESTINATIONS COVERED Saudi Arabia OPTIONAL COVER ADDED Excess Waiver £4,765.44 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 18/11/2025 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 06/08/24 TRAVEL INSURANCE COVID-19 LETTER: Z3SEUW78BHD This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: Z3SEUW78BHD Insured Persons: Sheila Thompson (Thursday 13 June, 2019) Insured Address: Studio 1 Annette walks Buckleyberg , DD2N 9QF , United Kingdom Policy V alid: 2023-06-12 to 27/05/2023 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	Z3SEUW78BHD	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	27/05/2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2023-06-12	(?<=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: TTRBBSQ. . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: TTRBBSQ.. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER TTRBBSQ. LEVEL OF COVER Silver DATE OF ISSUE Thursday 24 February, 2022 COVER PERIOD Wednesday 26 November, 2025 to 31 March, 2021 EXCESS* £0 ADDRESS Studio 9 Carolyn court Port Annport W66 6WRYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Caroline Gibbs 12 November, 2024 DESTINATIONS COVERED France OPTIONAL COVER ADDED Excess Waiver £7,403.21 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 14/07/19 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Thursday 24 February, 2022 TRAVEL INSURANCE COVID-19 LETTER: TTRBBSQ. This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: TTRBBSQ. Insured Persons: Caroline Gibbs (12 November, 2024) Insured Address: Studio 9 Carolyn court Port Annport , W66 6WR , United Kingdom Policy V alid: Wednesday 26 November, 2025 to 31 March, 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	TTRBBSQ.	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	31 March, 2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Wednesday 26 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: 2FKC6/IABO//0P53QOX9H6A . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 2FKC6/IABO//0P53QOX9H6A. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 2FKC6/IABO//0P53QOX9H6A LEVEL OF COVER Silver DATE OF ISSUE 02 March, 2020 COVER PERIOD 17/11/2022 to 21/10/2022 EXCESS* £0 ADDRESS Studio 4 Fox courts Lake Heatherview TN4 8DRYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Frederick Owen Tue 07 September, 2021 DESTINATIONS COVERED Jordan OPTIONAL COVER ADDED Excess Waiver £8,203.68 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 Wed 11 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 02 March, 2020 TRAVEL INSURANCE COVID-19 LETTER: 2FKC6/IABO//0P53QOX9H6A This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 2FKC6/IABO//0P53QOX9H6A Insured Persons: Frederick Owen (Tue 07 September, 2021) Insured Address: Studio 4 Fox courts Lake Heatherview , TN4 8DR , United Kingdom Policy V alid: 17/11/2022 to 21/10/2022 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	2FKC6/IABO//0P53QOX9H6A	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	21/10/2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	17/11/2022	(?<=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: 90IMWIO2/70W . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 90IMWIO2/70W. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 90IMWIO2/70W LEVEL OF COVER Silver DATE OF ISSUE Sun 02 April, 2023 COVER PERIOD Tue 03 December, 2024 to 21/09/21 EXCESS* £0 ADDRESS 799 Victor extension South Lindseystad M61 5NYYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Elliot Higgins-Richardson 2024-11-30 DESTINATIONS COVERED Qatar OPTIONAL COVER ADDED Excess Waiver £630.84 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona 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 January, 2025 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Sun 02 April, 2023 TRAVEL INSURANCE COVID-19 LETTER: 90IMWIO2/70W This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 90IMWIO2/70W Insured Persons: Elliot Higgins-Richardson (2024-11-30) Insured Address: 799 Victor extension South Lindseystad , M61 5NY , United Kingdom Policy V alid: Tue 03 December, 2024 to 21/09/21 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	90IMWIO2/70W	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	21/09/21	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Tue 03 December, 2024	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: mtvwjmg_ . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: mtvwjmg_. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER mtvwjmg_ LEVEL OF COVER Silver DATE OF ISSUE Tuesday 29 March, 2022 COVER PERIOD 2019-07-13 to 08/11/2022 EXCESS* £0 ADDRESS Flat 60v Martin ports Billyville LE7M 7GDYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Miss Chloe Holland 27/10/2019 DESTINATIONS COVERED Ukraine OPTIONAL COVER ADDED Excess Waiver £3,840.21 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 29/08/21 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Tuesday 29 March, 2022 TRAVEL INSURANCE COVID-19 LETTER: mtvwjmg_ This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: mtvwjmg_ Insured Persons: Miss Chloe Holland (27/10/2019) Insured Address: Flat 60v Martin ports Billyville , LE7M 7GD , United Kingdom Policy V alid: 2019-07-13 to 08/11/2022 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	mtvwjmg_	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	08/11/2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2019-07-13	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: 2_5T6ME/VOS.I77-N1Z6AK . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 2_5T6ME/VOS.I77-N1Z6AK. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 2_5T6ME/VOS.I77-N1Z6AK LEVEL OF COVER Silver DATE OF ISSUE Tue 18 August, 2020 COVER PERIOD Thu 03 July, 2025 to Sun 27 June, 2021 EXCESS* £0 ADDRESS 5 Pamela street Smithbury B43 6BQYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Lisa North Sat 30 April, 2022 DESTINATIONS COVERED Grenada OPTIONAL COVER ADDED Excess Waiver £6,973.08 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 26/08/2019 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 18 August, 2020 TRAVEL INSURANCE COVID-19 LETTER: 2_5T6ME/VOS.I77-N1Z6AK This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 2_5T6ME/VOS.I77-N1Z6AK Insured Persons: Lisa North (Sat 30 April, 2022) Insured Address: 5 Pamela street Smithbury , B43 6BQ , United Kingdom Policy V alid: Thu 03 July, 2025 to Sun 27 June, 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	2_5T6ME/VOS.I77-N1Z6AK	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Sun 27 June, 2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Thu 03 July, 2025	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02

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