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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: 47/Y_F97/J1NCXX-H6BWT . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 47/Y_F97/J1NCXX-H6BWT. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 47/Y_F97/J1NCXX-H6BWT LEVEL OF COVER Silver DATE OF ISSUE 2019-07-06 COVER PERIOD 25 September, 2025 to 06 September, 2020 EXCESS* £0 ADDRESS 54 Rachel hollow Port Shaunville G18 3QUYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Charlie Harrison 09 February, 2022 DESTINATIONS COVERED Vietnam OPTIONAL COVER ADDED Excess Waiver £4,595.74 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 2021-01-23 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2019-07-06 TRAVEL INSURANCE COVID-19 LETTER: 47/Y_F97/J1NCXX-H6BWT This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 47/Y_F97/J1NCXX-H6BWT Insured Persons: Charlie Harrison (09 February, 2022) Insured Address: 54 Rachel hollow Port Shaunville , G18 3QU , United Kingdom Policy V alid: 25 September, 2025 to 06 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	47/Y_F97/J1NCXX-H6BWT	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	06 September, 2020	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	25 September, 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: 7EF//L5K8 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 7EF//L5K8. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 7EF//L5K8 LEVEL OF COVER Silver DATE OF ISSUE 24/12/21 COVER PERIOD 04/07/20 to 17/01/2021 EXCESS* £0 ADDRESS Studio 31U Holland spurs Hughside G6 9NBYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Jay Waters Mon 26 August, 2024 DESTINATIONS COVERED British Indian Ocean Territory (Chagos Archipelago) OPTIONAL COVER ADDED Excess Waiver £7,960.62 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 20/12/2021 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 24/12/21 TRAVEL INSURANCE COVID-19 LETTER: 7EF//L5K8 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 7EF//L5K8 Insured Persons: Jay Waters (Mon 26 August, 2024) Insured Address: Studio 31U Holland spurs Hughside , G6 9NB , United Kingdom Policy V alid: 04/07/20 to 17/01/2021 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	7EF//L5K8	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	17/01/2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	04/07/20	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: nhzbkxlpk/_vpojjhphfr . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: nhzbkxlpk/_vpojjhphfr. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER nhzbkxlpk/_vpojjhphfr LEVEL OF COVER Silver DATE OF ISSUE 02/06/22 COVER PERIOD 19 November, 2019 to Wednesday 09 September, 2020 EXCESS* £0 ADDRESS Studio 80j Johnson roads Dylanmouth N50 6LLYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Graham Evans-Evans 2019-07-21 DESTINATIONS COVERED Bermuda OPTIONAL COVER ADDED Excess Waiver £2,872.52 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 04/04/2019 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 02/06/22 TRAVEL INSURANCE COVID-19 LETTER: nhzbkxlpk/_vpojjhphfr This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: nhzbkxlpk/_vpojjhphfr Insured Persons: Graham Evans-Evans (2019-07-21) Insured Address: Studio 80j Johnson roads Dylanmouth , N50 6LL , United Kingdom Policy V alid: 19 November, 2019 to Wednesday 09 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	nhzbkxlpk/_vpojjhphfr	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Wednesday 09 September, 2020	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	19 November, 2019	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: 8CLP23/8269 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 8CLP23/8269. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 8CLP23/8269 LEVEL OF COVER Silver DATE OF ISSUE 07 June, 2021 COVER PERIOD 25/01/22 to 2021-04-18 EXCESS* £0 ADDRESS 43 Billy port East Anneport PL0R 4FTYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Raymond Cooper 26/03/2022 DESTINATIONS COVERED Samoa OPTIONAL COVER ADDED Excess Waiver £2,376.97 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Friday 20 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 07 June, 2021 TRAVEL INSURANCE COVID-19 LETTER: 8CLP23/8269 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 8CLP23/8269 Insured Persons: Raymond Cooper (26/03/2022) Insured Address: 43 Billy port East Anneport , PL0R 4FT , United Kingdom Policy V alid: 25/01/22 to 2021-04-18 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	8CLP23/8269	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2021-04-18	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	25/01/22	(?<=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: 0X4AW5KTXWM2 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 0X4AW5KTXWM2. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 0X4AW5KTXWM2 LEVEL OF COVER Silver DATE OF ISSUE 20 September, 2019 COVER PERIOD 14/08/21 to 26/12/2019 EXCESS* £0 ADDRESS 5 Lorraine landing Port Jasminestad IV7 9JSYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Gareth Bailey 07 May, 2020 DESTINATIONS COVERED South Africa OPTIONAL COVER ADDED Excess Waiver £4,273.67 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 31/10/2024 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 20 September, 2019 TRAVEL INSURANCE COVID-19 LETTER: 0X4AW5KTXWM2 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 0X4AW5KTXWM2 Insured Persons: Gareth Bailey (07 May, 2020) Insured Address: 5 Lorraine landing Port Jasminestad , IV7 9JS , United Kingdom Policy V alid: 14/08/21 to 26/12/2019 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	0X4AW5KTXWM2	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	26/12/2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	14/08/21	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: OLRAIRH . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: OLRAIRH. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER OLRAIRH LEVEL OF COVER Silver DATE OF ISSUE Thursday 10 March, 2022 COVER PERIOD 2020-06-26 to 29 December, 2022 EXCESS* £0 ADDRESS 337 Francis branch Port Luke S1K 9GBYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Stanley Davidson 25/12/2022 DESTINATIONS COVERED Canada OPTIONAL COVER ADDED Excess Waiver £1,919.21 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 24/02/24 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 Thursday 10 March, 2022 TRAVEL INSURANCE COVID-19 LETTER: OLRAIRH This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: OLRAIRH Insured Persons: Stanley Davidson (25/12/2022) Insured Address: 337 Francis branch Port Luke , S1K 9GB , United Kingdom Policy V alid: 2020-06-26 to 29 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	OLRAIRH	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	29 December, 2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2020-06-26	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: F6Z39KZU-6S . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: F6Z39KZU-6S. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER F6Z39KZU-6S LEVEL OF COVER Silver DATE OF ISSUE 23/04/25 COVER PERIOD 25/05/2021 to 29/05/2020 EXCESS* £0 ADDRESS 6 Gavin groves Jeremyborough TQ7B 7FDYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Jayne Collins 2019-11-17 DESTINATIONS COVERED Sweden OPTIONAL COVER ADDED Excess Waiver £8,557.38 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 03/07/2025 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 23/04/25 TRAVEL INSURANCE COVID-19 LETTER: F6Z39KZU-6S This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: F6Z39KZU-6S Insured Persons: Dr Jayne Collins (2019-11-17) Insured Address: 6 Gavin groves Jeremyborough , TQ7B 7FD , United Kingdom Policy V alid: 25/05/2021 to 29/05/2020 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	F6Z39KZU-6S	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	29/05/2020	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	25/05/2021	(?<=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: BB6/46C26DC/Y/BP0OXK . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: BB6/46C26DC/Y/BP0OXK. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER BB6/46C26DC/Y/BP0OXK LEVEL OF COVER Silver DATE OF ISSUE Fri 05 February, 2021 COVER PERIOD 02/05/2019 to 22 April, 2024 EXCESS* £0 ADDRESS Studio 90 Frank coves North Michaelstad G8 6LHYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Charlie Payne-Stevens Thu 20 June, 2024 DESTINATIONS COVERED Sudan OPTIONAL COVER ADDED Excess Waiver £1,409.03 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 12/03/2022 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 05 February, 2021 TRAVEL INSURANCE COVID-19 LETTER: BB6/46C26DC/Y/BP0OXK This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: BB6/46C26DC/Y/BP0OXK Insured Persons: Charlie Payne-Stevens (Thu 20 June, 2024) Insured Address: Studio 90 Frank coves North Michaelstad , G8 6LH , United Kingdom Policy V alid: 02/05/2019 to 22 April, 2024 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	BB6/46C26DC/Y/BP0OXK	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	22 April, 2024	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	02/05/2019	(?<=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: cct_mjgkdhu . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: cct_mjgkdhu. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER cct_mjgkdhu LEVEL OF COVER Silver DATE OF ISSUE Thu 09 March, 2023 COVER PERIOD Sunday 26 May, 2019 to 17 October, 2024 EXCESS* £0 ADDRESS Studio 39v Allan coves South Jeremyburgh NW6 2YEYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Kimberley Rees 31/10/21 DESTINATIONS COVERED Singapore OPTIONAL COVER ADDED Excess Waiver £3,526.29 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 Thursday 28 November, 2024 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Thu 09 March, 2023 TRAVEL INSURANCE COVID-19 LETTER: cct_mjgkdhu This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: cct_mjgkdhu Insured Persons: Kimberley Rees (31/10/21) Insured Address: Studio 39v Allan coves South Jeremyburgh , NW6 2YE , United Kingdom Policy V alid: Sunday 26 May, 2019 to 17 October, 2024 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	cct_mjgkdhu	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	17 October, 2024	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Sunday 26 May, 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: 6UED-967O/Z15UM . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 6UED-967O/Z15UM. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 6UED-967O/Z15UM LEVEL OF COVER Silver DATE OF ISSUE 31 October, 2025 COVER PERIOD 25/11/2019 to Friday 12 April, 2019 EXCESS* £0 ADDRESS Flat 7 Davies hills Port Bernard L5 7WHYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.William Norris 25 July, 2024 DESTINATIONS COVERED Burkina Faso OPTIONAL COVER ADDED Excess Waiver £6,964.81 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 15 January, 2020 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 31 October, 2025 TRAVEL INSURANCE COVID-19 LETTER: 6UED-967O/Z15UM This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 6UED-967O/Z15UM Insured Persons: William Norris (25 July, 2024) Insured Address: Flat 7 Davies hills Port Bernard , L5 7WH , United Kingdom Policy V alid: 25/11/2019 to Friday 12 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	6UED-967O/Z15UM	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Friday 12 April, 2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	25/11/2019	(?<=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: 68U1DGA-2JXI49BSW/FNP3CA8 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 68U1DGA-2JXI49BSW/FNP3CA8. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 68U1DGA-2JXI49BSW/FNP3CA8 LEVEL OF COVER Silver DATE OF ISSUE Tue 31 August, 2021 COVER PERIOD Fri 09 February, 2024 to Wed 06 March, 2019 EXCESS* £0 ADDRESS 8 Morgan trail North Lynn B4C 7TNYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Joe French Thursday 02 June, 2022 DESTINATIONS COVERED Syrian Arab Republic OPTIONAL COVER ADDED Excess Waiver £3,561.49 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 Wednesday 07 October, 2020 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Tue 31 August, 2021 TRAVEL INSURANCE COVID-19 LETTER: 68U1DGA-2JXI49BSW/FNP3CA8 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 68U1DGA-2JXI49BSW/FNP3CA8 Insured Persons: Joe French (Thursday 02 June, 2022) Insured Address: 8 Morgan trail North Lynn , B4C 7TN , United Kingdom Policy V alid: Fri 09 February, 2024 to Wed 06 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	68U1DGA-2JXI49BSW/FNP3CA8	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Wed 06 March, 2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Fri 09 February, 2024	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: cdmnit_gjwo.fsg . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: cdmnit_gjwo.fsg. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER cdmnit_gjwo.fsg LEVEL OF COVER Silver DATE OF ISSUE 16/08/24 COVER PERIOD 20/12/24 to Mon 23 December, 2024 EXCESS* £0 ADDRESS 01 Janet mount South Sylviafort NW66 7BEYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Emily Harris 2025-08-07 DESTINATIONS COVERED Nauru OPTIONAL COVER ADDED Excess Waiver £5,812.10 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 Sunday 30 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 16/08/24 TRAVEL INSURANCE COVID-19 LETTER: cdmnit_gjwo.fsg This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: cdmnit_gjwo.fsg Insured Persons: Emily Harris (2025-08-07) Insured Address: 01 Janet mount South Sylviafort , NW66 7BE , United Kingdom Policy V alid: 20/12/24 to Mon 23 December, 2024 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	cdmnit_gjwo.fsg	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Mon 23 December, 2024	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	20/12/24	(?<=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: CXM/39N0/E8N . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: CXM/39N0/E8N. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER CXM/39N0/E8N LEVEL OF COVER Silver DATE OF ISSUE 2024-01-29 COVER PERIOD Tuesday 04 February, 2025 to 10/11/2022 EXCESS* £0 ADDRESS Flat 68S Sullivan corner West Craigmouth TN4 1XPYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Jonathan Johnson 28/08/24 DESTINATIONS COVERED Svalbard & Jan Mayen Islands OPTIONAL COVER ADDED Excess Waiver £7,473.29 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 28/06/2023 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 2024-01-29 TRAVEL INSURANCE COVID-19 LETTER: CXM/39N0/E8N This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: CXM/39N0/E8N Insured Persons: Mr Jonathan Johnson (28/08/24) Insured Address: Flat 68S Sullivan corner West Craigmouth , TN4 1XP , United Kingdom Policy V alid: Tuesday 04 February, 2025 to 10/11/2022 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	CXM/39N0/E8N	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	10/11/2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Tuesday 04 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: F-C.I/HW/_90YH1OVCJ_H6R . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: F-C.I/HW/_90YH1OVCJ_H6R. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER F-C.I/HW/_90YH1OVCJ_H6R LEVEL OF COVER Silver DATE OF ISSUE 21/11/25 COVER PERIOD 08/03/2023 to 22/10/2022 EXCESS* £0 ADDRESS 944 Clive canyon South Gordonland LS2E 3QYYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Nicola Lambert-Hussain 22/11/22 DESTINATIONS COVERED Norway OPTIONAL COVER ADDED Excess Waiver £7,364.34 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Tuesday 21 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 21/11/25 TRAVEL INSURANCE COVID-19 LETTER: F-C.I/HW/_90YH1OVCJ_H6R This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: F-C.I/HW/_90YH1OVCJ_H6R Insured Persons: Nicola Lambert-Hussain (22/11/22) Insured Address: 944 Clive canyon South Gordonland , LS2E 3QY , United Kingdom Policy V alid: 08/03/2023 to 22/10/2022 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	F-C.I/HW/_90YH1OVCJ_H6R	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	22/10/2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	08/03/2023	(?<=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: FIIOHDCGRKJNCFGSHM . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: FIIOHDCGRKJNCFGSHM. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER FIIOHDCGRKJNCFGSHM LEVEL OF COVER Silver DATE OF ISSUE 20 February, 2024 COVER PERIOD Tuesday 28 July, 2020 to 03/07/2019 EXCESS* £0 ADDRESS 87 Berry prairie Port Jeanbury BR1R 3YBYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mathew Griffiths 13/12/23 DESTINATIONS COVERED Saint Barthelemy OPTIONAL COVER ADDED Excess Waiver £7,254.43 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 2023-02-26 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 20 February, 2024 TRAVEL INSURANCE COVID-19 LETTER: FIIOHDCGRKJNCFGSHM This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: FIIOHDCGRKJNCFGSHM Insured Persons: Mathew Griffiths (13/12/23) Insured Address: 87 Berry prairie Port Jeanbury , BR1R 3YB , United Kingdom Policy V alid: Tuesday 28 July, 2020 to 03/07/2019 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	FIIOHDCGRKJNCFGSHM	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	03/07/2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Tuesday 28 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: 92D58WES . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 92D58WES. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 92D58WES LEVEL OF COVER Silver DATE OF ISSUE Friday 11 October, 2019 COVER PERIOD 2020-05-26 to Tue 02 September, 2025 EXCESS* £0 ADDRESS Flat 5 Shane ways North Charliehaven EH65 8HYYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Leslie Hudson 01/07/19 DESTINATIONS COVERED Seychelles OPTIONAL COVER ADDED Excess Waiver £8,555.06 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 05/09/19 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Friday 11 October, 2019 TRAVEL INSURANCE COVID-19 LETTER: 92D58WES This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 92D58WES Insured Persons: Leslie Hudson (01/07/19) Insured Address: Flat 5 Shane ways North Charliehaven , EH65 8HY , United Kingdom Policy V alid: 2020-05-26 to Tue 02 September, 2025 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	92D58WES	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Tue 02 September, 2025	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2020-05-26	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: YV0934Z3V41JFD2E03E . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: YV0934Z3V41JFD2E03E. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER YV0934Z3V41JFD2E03E LEVEL OF COVER Silver DATE OF ISSUE Monday 10 April, 2023 COVER PERIOD 14/02/19 to 27/11/21 EXCESS* £0 ADDRESS Studio 07T Jade station Payneland GY2E 5GXYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Ms Gail Phillips 2022-08-11 DESTINATIONS COVERED Thailand OPTIONAL COVER ADDED Excess Waiver £5,465.21 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 2022-03-02 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Monday 10 April, 2023 TRAVEL INSURANCE COVID-19 LETTER: YV0934Z3V41JFD2E03E This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: YV0934Z3V41JFD2E03E Insured Persons: Ms Gail Phillips (2022-08-11) Insured Address: Studio 07T Jade station Payneland , GY2E 5GX , United Kingdom Policy V alid: 14/02/19 to 27/11/21 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	YV0934Z3V41JFD2E03E	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	27/11/21	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	14/02/19	(?<=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: HMN.UYH.UIIFBZ-HJZOWR- . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: HMN.UYH.UIIFBZ-HJZOWR-. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER HMN.UYH.UIIFBZ-HJZOWR- LEVEL OF COVER Silver DATE OF ISSUE 27 November, 2022 COVER PERIOD 14 August, 2024 to Tue 26 January, 2021 EXCESS* £0 ADDRESS Flat 8 Michael islands Lake Gail GY94 3FWYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dylan Lee 2020-11-09 DESTINATIONS COVERED Pitcairn Islands OPTIONAL COVER ADDED Excess Waiver £7,799.91 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 17 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 27 November, 2022 TRAVEL INSURANCE COVID-19 LETTER: HMN.UYH.UIIFBZ-HJZOWR- This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: HMN.UYH.UIIFBZ-HJZOWR- Insured Persons: Dylan Lee (2020-11-09) Insured Address: Flat 8 Michael islands Lake Gail , GY94 3FW , United Kingdom Policy V alid: 14 August, 2024 to Tue 26 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	HMN.UYH.UIIFBZ-HJZOWR-	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Tue 26 January, 2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	14 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: BHEYYJKCYERUG. . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: BHEYYJKCYERUG.. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER BHEYYJKCYERUG. LEVEL OF COVER Silver DATE OF ISSUE 2020-08-20 COVER PERIOD 04/08/24 to 03/08/23 EXCESS* £0 ADDRESS 86 Clarke square Dobsontown LA14 5AFYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Paige McCarthy-Brooks 09/09/2020 DESTINATIONS COVERED Falkland Islands (Malvinas) OPTIONAL COVER ADDED Excess Waiver £2,856.95 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 24 February, 2022 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2020-08-20 TRAVEL INSURANCE COVID-19 LETTER: BHEYYJKCYERUG. This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: BHEYYJKCYERUG. Insured Persons: Paige McCarthy-Brooks (09/09/2020) Insured Address: 86 Clarke square Dobsontown , LA14 5AF , United Kingdom Policy V alid: 04/08/24 to 03/08/23 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	BHEYYJKCYERUG.	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	03/08/23	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	04/08/24	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: REE.DRCIQ-JRBRFOB/VK . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: REE.DRCIQ-JRBRFOB/VK. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER REE.DRCIQ-JRBRFOB/VK LEVEL OF COVER Silver DATE OF ISSUE Sunday 02 October, 2022 COVER PERIOD 10/02/20 to 09 May, 2025 EXCESS* £0 ADDRESS 77 Sandra avenue Patelfurt TF9 2YEYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Kenneth Bond 13/12/2022 DESTINATIONS COVERED Gambia OPTIONAL COVER ADDED Excess Waiver £3,140.39 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 29/11/21 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 Sunday 02 October, 2022 TRAVEL INSURANCE COVID-19 LETTER: REE.DRCIQ-JRBRFOB/VK This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: REE.DRCIQ-JRBRFOB/VK Insured Persons: Mr Kenneth Bond (13/12/2022) Insured Address: 77 Sandra avenue Patelfurt , TF9 2YE , United Kingdom Policy V alid: 10/02/20 to 09 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	REE.DRCIQ-JRBRFOB/VK	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	09 May, 2025	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	10/02/20	(?<=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: DG4.WK-BYGQ0YA4J6S.PW . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: DG4.WK-BYGQ0YA4J6S.PW. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER DG4.WK-BYGQ0YA4J6S.PW LEVEL OF COVER Silver DATE OF ISSUE 2019-02-07 COVER PERIOD 12/05/25 to Tue 05 February, 2019 EXCESS* £0 ADDRESS 1 Joe parkways North Anthony LU4 9USYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mrs Annette Foster 17/04/2020 DESTINATIONS COVERED Kuwait OPTIONAL COVER ADDED Excess Waiver £4,486.38 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 16 November, 2021 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2019-02-07 TRAVEL INSURANCE COVID-19 LETTER: DG4.WK-BYGQ0YA4J6S.PW This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: DG4.WK-BYGQ0YA4J6S.PW Insured Persons: Mrs Annette Foster (17/04/2020) Insured Address: 1 Joe parkways North Anthony , LU4 9US , United Kingdom Policy V alid: 12/05/25 to Tue 05 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	DG4.WK-BYGQ0YA4J6S.PW	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Tue 05 February, 2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	12/05/25	(?<=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: ruqyvd-dq . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: ruqyvd-dq. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER ruqyvd-dq LEVEL OF COVER Silver DATE OF ISSUE Fri 09 February, 2024 COVER PERIOD Sun 22 October, 2023 to Tue 13 February, 2024 EXCESS* £0 ADDRESS Flat 42 Black ramp Colebury BN1 0NXYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Ronald Stephenson Sun 07 March, 2021 DESTINATIONS COVERED Uruguay OPTIONAL COVER ADDED Excess Waiver £961.78 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 2024-03-03 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Fri 09 February, 2024 TRAVEL INSURANCE COVID-19 LETTER: ruqyvd-dq This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: ruqyvd-dq Insured Persons: Mr Ronald Stephenson (Sun 07 March, 2021) Insured Address: Flat 42 Black ramp Colebury , BN1 0NX , United Kingdom Policy V alid: Sun 22 October, 2023 to Tue 13 February, 2024 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	ruqyvd-dq	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Tue 13 February, 2024	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Sun 22 October, 2023	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: PGGBFYR9BDH . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: PGGBFYR9BDH. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER PGGBFYR9BDH LEVEL OF COVER Silver DATE OF ISSUE 22/03/2024 COVER PERIOD 05/11/22 to Monday 13 April, 2020 EXCESS* £0 ADDRESS Flat 62H Barker valleys Fosterton M78 6QXYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Janet Hayes 20/01/25 DESTINATIONS COVERED Iceland OPTIONAL COVER ADDED Excess Waiver £6,922.85 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Mon 13 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 22/03/2024 TRAVEL INSURANCE COVID-19 LETTER: PGGBFYR9BDH This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: PGGBFYR9BDH Insured Persons: Janet Hayes (20/01/25) Insured Address: Flat 62H Barker valleys Fosterton , M78 6QX , United Kingdom Policy V alid: 05/11/22 to Monday 13 April, 2020 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	PGGBFYR9BDH	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Monday 13 April, 2020	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	05/11/22	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: 8/P13UW9ZG_494PBIL/JNI . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 8/P13UW9ZG_494PBIL/JNI. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 8/P13UW9ZG_494PBIL/JNI LEVEL OF COVER Silver DATE OF ISSUE 2024-12-30 COVER PERIOD Tue 08 September, 2020 to Sat 03 July, 2021 EXCESS* £0 ADDRESS 6 Welch station North Julieland N67 7ZUYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Jack Ross-Richardson Tue 11 June, 2019 DESTINATIONS COVERED Eritrea OPTIONAL COVER ADDED Excess Waiver £2,933.43 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 21 August, 2024 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2024-12-30 TRAVEL INSURANCE COVID-19 LETTER: 8/P13UW9ZG_494PBIL/JNI This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 8/P13UW9ZG_494PBIL/JNI Insured Persons: Jack Ross-Richardson (Tue 11 June, 2019) Insured Address: 6 Welch station North Julieland , N67 7ZU , United Kingdom Policy V alid: Tue 08 September, 2020 to Sat 03 July, 2021 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	8/P13UW9ZG_494PBIL/JNI	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Sat 03 July, 2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Tue 08 September, 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: 2TXGWCR8QY._IJW/H/4_F144 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 2TXGWCR8QY._IJW/H/4_F144. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 2TXGWCR8QY._IJW/H/4_F144 LEVEL OF COVER Silver DATE OF ISSUE Friday 18 December, 2020 COVER PERIOD 14/09/25 to Sat 04 September, 2021 EXCESS* £0 ADDRESS Flat 7 Alison ports Griffithsstad IG7M 0EPYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Christopher Cole 2023-10-30 DESTINATIONS COVERED Grenada OPTIONAL COVER ADDED Excess Waiver £2,193.22 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 Wed 06 December, 2023 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Friday 18 December, 2020 TRAVEL INSURANCE COVID-19 LETTER: 2TXGWCR8QY._IJW/H/4_F144 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 2TXGWCR8QY._IJW/H/4_F144 Insured Persons: Christopher Cole (2023-10-30) Insured Address: Flat 7 Alison ports Griffithsstad , IG7M 0EP , United Kingdom Policy V alid: 14/09/25 to Sat 04 September, 2021 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	2TXGWCR8QY._IJW/H/4_F144	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Sat 04 September, 2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	14/09/25	(?<=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: y.o.nfhk . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR 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.o.nfhk. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this 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.o.nfhk LEVEL OF COVER Silver DATE OF ISSUE Tuesday 17 June, 2025 COVER PERIOD Mon 18 November, 2024 to Sunday 01 January, 2023 EXCESS* £0 ADDRESS Flat 7 Allen mount Dunnland SA9R 2QQYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Josephine Fitzgerald-Davies 03/08/2025 DESTINATIONS COVERED Serbia OPTIONAL COVER ADDED Excess Waiver £7,152.60 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 Mon 18 November, 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 Tuesday 17 June, 2025 TRAVEL INSURANCE COVID-19 LETTER: y.o.nfhk This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits 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.o.nfhk Insured Persons: Josephine Fitzgerald-Davies (03/08/2025) Insured Address: Flat 7 Allen mount Dunnland , SA9R 2QQ , United Kingdom Policy V alid: Mon 18 November, 2024 to Sunday 01 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	y.o.nfhk	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Sunday 01 January, 2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Mon 18 November, 2024	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: hgbefpyea_nbv/s.kvx . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: hgbefpyea_nbv/s.kvx. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER hgbefpyea_nbv/s.kvx LEVEL OF COVER Silver DATE OF ISSUE 08/08/25 COVER PERIOD 26 October, 2019 to Thu 13 May, 2021 EXCESS* £0 ADDRESS 5 Robin hollow Hannahview TN7 1DZYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Kimberley Jenkins 2024-12-17 DESTINATIONS COVERED Bangladesh OPTIONAL COVER ADDED Excess Waiver £3,397.41 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 17 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 08/08/25 TRAVEL INSURANCE COVID-19 LETTER: hgbefpyea_nbv/s.kvx This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: hgbefpyea_nbv/s.kvx Insured Persons: Kimberley Jenkins (2024-12-17) Insured Address: 5 Robin hollow Hannahview , TN7 1DZ , United Kingdom Policy V alid: 26 October, 2019 to Thu 13 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	hgbefpyea_nbv/s.kvx	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Thu 13 May, 2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	26 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: 9HT._8I.Y0HKT6GNCOZGSH . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 9HT._8I.Y0HKT6GNCOZGSH. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 9HT._8I.Y0HKT6GNCOZGSH LEVEL OF COVER Silver DATE OF ISSUE 26/07/2019 COVER PERIOD Mon 06 September, 2021 to Tue 21 July, 2020 EXCESS* £0 ADDRESS 096 Martin knolls Nathanland E05 7TYYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Brenda Lee Wednesday 04 September, 2024 DESTINATIONS COVERED Uganda OPTIONAL COVER ADDED Excess Waiver £7,158.93 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Tue 09 April, 2024 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 26/07/2019 TRAVEL INSURANCE COVID-19 LETTER: 9HT._8I.Y0HKT6GNCOZGSH This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 9HT._8I.Y0HKT6GNCOZGSH Insured Persons: Brenda Lee (Wednesday 04 September, 2024) Insured Address: 096 Martin knolls Nathanland , E05 7TY , United Kingdom Policy V alid: Mon 06 September, 2021 to Tue 21 July, 2020 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	9HT._8I.Y0HKT6GNCOZGSH	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Tue 21 July, 2020	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Mon 06 September, 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: xbkncbu.zdycczrqvo . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: xbkncbu.zdycczrqvo. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER xbkncbu.zdycczrqvo LEVEL OF COVER Silver DATE OF ISSUE 08 February, 2019 COVER PERIOD 27/11/25 to Friday 24 March, 2023 EXCESS* £0 ADDRESS 8 Banks ridge Jessicaville G4F 4ALYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Carole Brown Sun 27 August, 2023 DESTINATIONS COVERED Netherlands OPTIONAL COVER ADDED Excess Waiver £2,379.88 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 13/02/2025 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 08 February, 2019 TRAVEL INSURANCE COVID-19 LETTER: xbkncbu.zdycczrqvo This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: xbkncbu.zdycczrqvo Insured Persons: Carole Brown (Sun 27 August, 2023) Insured Address: 8 Banks ridge Jessicaville , G4F 4AL , United Kingdom Policy V alid: 27/11/25 to Friday 24 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	xbkncbu.zdycczrqvo	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Friday 24 March, 2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	27/11/25	(?<=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: XT51Q1B_F2KNOQL7 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: XT51Q1B_F2KNOQL7. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER XT51Q1B_F2KNOQL7 LEVEL OF COVER Silver DATE OF ISSUE Friday 21 January, 2022 COVER PERIOD 29/09/2019 to Tuesday 04 May, 2021 EXCESS* £0 ADDRESS 45 Cameron place West Vanessastad BN2X 4YFYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mohamed Thompson Thu 09 May, 2024 DESTINATIONS COVERED Dominican Republic OPTIONAL COVER ADDED Excess Waiver £267.02 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 2023-02-09 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Friday 21 January, 2022 TRAVEL INSURANCE COVID-19 LETTER: XT51Q1B_F2KNOQL7 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: XT51Q1B_F2KNOQL7 Insured Persons: Mohamed Thompson (Thu 09 May, 2024) Insured Address: 45 Cameron place West Vanessastad , BN2X 4YF , United Kingdom Policy V alid: 29/09/2019 to Tuesday 04 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	XT51Q1B_F2KNOQL7	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Tuesday 04 May, 2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	29/09/2019	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: TCH_E.ATJVFVUX . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: TCH_E.ATJVFVUX. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER TCH_E.ATJVFVUX LEVEL OF COVER Silver DATE OF ISSUE 17 March, 2020 COVER PERIOD 25 May, 2022 to Friday 11 July, 2025 EXCESS* £0 ADDRESS Studio 18 Page forks Hillland E2 1PXYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Aaron Stone 23/04/2021 DESTINATIONS COVERED Israel OPTIONAL COVER ADDED Excess Waiver £4,558.72 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 10/01/20 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 17 March, 2020 TRAVEL INSURANCE COVID-19 LETTER: TCH_E.ATJVFVUX This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: TCH_E.ATJVFVUX Insured Persons: Dr Aaron Stone (23/04/2021) Insured Address: Studio 18 Page forks Hillland , E2 1PX , United Kingdom Policy V alid: 25 May, 2022 to Friday 11 July, 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	TCH_E.ATJVFVUX	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Friday 11 July, 2025	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	25 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: wkcdefqnxr.birx . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: wkcdefqnxr.birx. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER wkcdefqnxr.birx LEVEL OF COVER Silver DATE OF ISSUE 26/02/20 COVER PERIOD 2024-03-14 to 2025-07-31 EXCESS* £0 ADDRESS 559 Bruce ranch Stanleyton BH8X 6HGYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Clifford Butcher Thu 14 December, 2023 DESTINATIONS COVERED Bhutan OPTIONAL COVER ADDED Excess Waiver £6,471.76 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Sat 01 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 26/02/20 TRAVEL INSURANCE COVID-19 LETTER: wkcdefqnxr.birx This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: wkcdefqnxr.birx Insured Persons: Clifford Butcher (Thu 14 December, 2023) Insured Address: 559 Bruce ranch Stanleyton , BH8X 6HG , United Kingdom Policy V alid: 2024-03-14 to 2025-07-31 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	wkcdefqnxr.birx	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2025-07-31	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2024-03-14	(?<=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: M_T.ZTAKXDQOXBG-DAFB . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: M_T.ZTAKXDQOXBG-DAFB. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER M_T.ZTAKXDQOXBG-DAFB LEVEL OF COVER Silver DATE OF ISSUE Mon 23 December, 2019 COVER PERIOD 01 March, 2021 to 2023-03-17 EXCESS* £0 ADDRESS Flat 8 Hughes heights Hutchinsonfurt CM2A 8WRYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Ms Jayne Campbell Fri 10 January, 2025 DESTINATIONS COVERED Solomon Islands OPTIONAL COVER ADDED Excess Waiver £4,409.05 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 24/10/21 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Mon 23 December, 2019 TRAVEL INSURANCE COVID-19 LETTER: M_T.ZTAKXDQOXBG-DAFB This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: M_T.ZTAKXDQOXBG-DAFB Insured Persons: Ms Jayne Campbell (Fri 10 January, 2025) Insured Address: Flat 8 Hughes heights Hutchinsonfurt , CM2A 8WR , United Kingdom Policy V alid: 01 March, 2021 to 2023-03-17 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	M_T.ZTAKXDQOXBG-DAFB	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2023-03-17	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	01 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: DWW5IBDAL0OKHN.7VX2FU . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: DWW5IBDAL0OKHN.7VX2FU. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER DWW5IBDAL0OKHN.7VX2FU LEVEL OF COVER Silver DATE OF ISSUE Wednesday 08 September, 2021 COVER PERIOD 19 June, 2023 to 2022-09-26 EXCESS* £0 ADDRESS 4 Jean drives West Douglas G11 1WQYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Emily Bennett Mon 23 March, 2020 DESTINATIONS COVERED Guinea-Bissau OPTIONAL COVER ADDED Excess Waiver £4,590.61 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 28/07/23 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Wednesday 08 September, 2021 TRAVEL INSURANCE COVID-19 LETTER: DWW5IBDAL0OKHN.7VX2FU This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: DWW5IBDAL0OKHN.7VX2FU Insured Persons: Emily Bennett (Mon 23 March, 2020) Insured Address: 4 Jean drives West Douglas , G11 1WQ , United Kingdom Policy V alid: 19 June, 2023 to 2022-09-26 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	DWW5IBDAL0OKHN.7VX2FU	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2022-09-26	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	19 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: vjw_zly.iryeea . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: vjw_zly.iryeea. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER vjw_zly.iryeea LEVEL OF COVER Silver DATE OF ISSUE 05/09/2020 COVER PERIOD 2020-04-13 to 30 December, 2024 EXCESS* £0 ADDRESS 419 Dylan summit Port Davidborough IG5P 1DHYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mrs Abigail Hughes 2024-07-10 DESTINATIONS COVERED Congo OPTIONAL COVER ADDED Excess Waiver £3,480.80 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 17/04/2025 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 05/09/2020 TRAVEL INSURANCE COVID-19 LETTER: vjw_zly.iryeea This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: vjw_zly.iryeea Insured Persons: Mrs Abigail Hughes (2024-07-10) Insured Address: 419 Dylan summit Port Davidborough , IG5P 1DH , United Kingdom Policy V alid: 2020-04-13 to 30 December, 2024 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	vjw_zly.iryeea	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	30 December, 2024	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2020-04-13	(?<=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: bmyl/m/dtdgonlwfyng . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: bmyl/m/dtdgonlwfyng. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER bmyl/m/dtdgonlwfyng LEVEL OF COVER Silver DATE OF ISSUE Monday 21 September, 2020 COVER PERIOD 17/01/22 to 08/11/2023 EXCESS* £0 ADDRESS Studio 83N Perry wall Lake Carolyn N87 4GWYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Charlotte Webb 11/04/21 DESTINATIONS COVERED Mozambique OPTIONAL COVER ADDED Excess Waiver £4,895.86 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 Sunday 13 November, 2022 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Monday 21 September, 2020 TRAVEL INSURANCE COVID-19 LETTER: bmyl/m/dtdgonlwfyng This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: bmyl/m/dtdgonlwfyng Insured Persons: Charlotte Webb (11/04/21) Insured Address: Studio 83N Perry wall Lake Carolyn , N87 4GW , United Kingdom Policy V alid: 17/01/22 to 08/11/2023 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	bmyl/m/dtdgonlwfyng	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	08/11/2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	17/01/22	(?<=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: S3NJ-AF_RO-ZTDCC08 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: S3NJ-AF_RO-ZTDCC08. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER S3NJ-AF_RO-ZTDCC08 LEVEL OF COVER Silver DATE OF ISSUE 27 January, 2025 COVER PERIOD 2019-12-05 to 2023-12-18 EXCESS* £0 ADDRESS 8 Katy drive Jacobmouth G7 4BLYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Nathan Kemp Sun 22 December, 2024 DESTINATIONS COVERED Luxembourg OPTIONAL COVER ADDED Excess Waiver £8,754.36 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 Thursday 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 27 January, 2025 TRAVEL INSURANCE COVID-19 LETTER: S3NJ-AF_RO-ZTDCC08 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: S3NJ-AF_RO-ZTDCC08 Insured Persons: Mr Nathan Kemp (Sun 22 December, 2024) Insured Address: 8 Katy drive Jacobmouth , G7 4BL , United Kingdom Policy V alid: 2019-12-05 to 2023-12-18 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	S3NJ-AF_RO-ZTDCC08	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2023-12-18	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2019-12-05	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: ZKBJIDCBQKGCHTHSBOQ/Q . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: ZKBJIDCBQKGCHTHSBOQ/Q. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER ZKBJIDCBQKGCHTHSBOQ/Q LEVEL OF COVER Silver DATE OF ISSUE 05/06/19 COVER PERIOD Saturday 13 February, 2021 to 29/07/24 EXCESS* £0 ADDRESS Studio 72 Johnson curve Terrychester HP6N 8ZDYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Josh Ellis 05/09/20 DESTINATIONS COVERED Japan OPTIONAL COVER ADDED Excess Waiver £9,700.42 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 07/12/2025 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 05/06/19 TRAVEL INSURANCE COVID-19 LETTER: ZKBJIDCBQKGCHTHSBOQ/Q This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: ZKBJIDCBQKGCHTHSBOQ/Q Insured Persons: Dr Josh Ellis (05/09/20) Insured Address: Studio 72 Johnson curve Terrychester , HP6N 8ZD , United Kingdom Policy V alid: Saturday 13 February, 2021 to 29/07/24 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	ZKBJIDCBQKGCHTHSBOQ/Q	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	29/07/24	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Saturday 13 February, 2021	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: IEYZWS_SLAC/TQ.JV. . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: IEYZWS_SLAC/TQ.JV.. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER IEYZWS_SLAC/TQ.JV. LEVEL OF COVER Silver DATE OF ISSUE 19/10/23 COVER PERIOD 18/11/2025 to 29/04/2022 EXCESS* £0 ADDRESS 82 Elaine stravenue Iainfort RG51 7HQYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Hayley Stanley 29/01/2022 DESTINATIONS COVERED Croatia OPTIONAL COVER ADDED Excess Waiver £403.62 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 2019-11-23 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 19/10/23 TRAVEL INSURANCE COVID-19 LETTER: IEYZWS_SLAC/TQ.JV. This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: IEYZWS_SLAC/TQ.JV. Insured Persons: Hayley Stanley (29/01/2022) Insured Address: 82 Elaine stravenue Iainfort , RG51 7HQ , United Kingdom Policy V alid: 18/11/2025 to 29/04/2022 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	IEYZWS_SLAC/TQ.JV.	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	29/04/2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	18/11/2025	(?<=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: LCEUFEKQF . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: LCEUFEKQF. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER LCEUFEKQF LEVEL OF COVER Silver DATE OF ISSUE 2020-04-23 COVER PERIOD Fri 23 December, 2022 to 01/11/19 EXCESS* £0 ADDRESS 8 Black ferry Harrytown HR1 5BYYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Barry Martin-Clark Mon 22 August, 2022 DESTINATIONS COVERED Central African Republic OPTIONAL COVER ADDED Excess Waiver £4,646.11 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 Tuesday 29 June, 2021 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2020-04-23 TRAVEL INSURANCE COVID-19 LETTER: LCEUFEKQF This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: LCEUFEKQF Insured Persons: Barry Martin-Clark (Mon 22 August, 2022) Insured Address: 8 Black ferry Harrytown , HR1 5BY , United Kingdom Policy V alid: Fri 23 December, 2022 to 01/11/19 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	LCEUFEKQF	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	01/11/19	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Fri 23 December, 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: ac/rdwir/uux-epslcktxgk . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: ac/rdwir/uux-epslcktxgk. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER ac/rdwir/uux-epslcktxgk LEVEL OF COVER Silver DATE OF ISSUE Thu 23 May, 2019 COVER PERIOD 28 September, 2021 to Thursday 02 November, 2023 EXCESS* £0 ADDRESS Studio 7 Mistry vista North Stephanie HP26 7GBYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Vincent Kelly-Field 11 June, 2021 DESTINATIONS COVERED Andorra OPTIONAL COVER ADDED Excess Waiver £471.03 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 08/02/2024 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Thu 23 May, 2019 TRAVEL INSURANCE COVID-19 LETTER: ac/rdwir/uux-epslcktxgk This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: ac/rdwir/uux-epslcktxgk Insured Persons: Vincent Kelly-Field (11 June, 2021) Insured Address: Studio 7 Mistry vista North Stephanie , HP26 7GB , United Kingdom Policy V alid: 28 September, 2021 to Thursday 02 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	ac/rdwir/uux-epslcktxgk	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Thursday 02 November, 2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	28 September, 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: 8K8R6.1-2-/C7/MNZ8ADK . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 8K8R6.1-2-/C7/MNZ8ADK. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 8K8R6.1-2-/C7/MNZ8ADK LEVEL OF COVER Silver DATE OF ISSUE 31 July, 2020 COVER PERIOD Thu 12 November, 2020 to 20/09/23 EXCESS* £0 ADDRESS 763 Scott glen Robinsonshire S02 3XDYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Dennis Newton Wed 06 April, 2022 DESTINATIONS COVERED Austria OPTIONAL COVER ADDED Excess Waiver £9,041.12 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 25/05/2023 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 31 July, 2020 TRAVEL INSURANCE COVID-19 LETTER: 8K8R6.1-2-/C7/MNZ8ADK This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 8K8R6.1-2-/C7/MNZ8ADK Insured Persons: Dr Dennis Newton (Wed 06 April, 2022) Insured Address: 763 Scott glen Robinsonshire , S02 3XD , United Kingdom Policy V alid: Thu 12 November, 2020 to 20/09/23 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	8K8R6.1-2-/C7/MNZ8ADK	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	20/09/23	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Thu 12 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: HTPB_SKXVKGQB . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: HTPB_SKXVKGQB. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER HTPB_SKXVKGQB LEVEL OF COVER Silver DATE OF ISSUE Monday 11 April, 2022 COVER PERIOD 25 February, 2023 to Sat 24 January, 2026 EXCESS* £0 ADDRESS Flat 11 Holland drive Reeceburgh CM0A 0XXYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Jenna Morley 20/10/22 DESTINATIONS COVERED Kyrgyz Republic OPTIONAL COVER ADDED Excess Waiver £7,031.65 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 26 May, 2024 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Monday 11 April, 2022 TRAVEL INSURANCE COVID-19 LETTER: HTPB_SKXVKGQB This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: HTPB_SKXVKGQB Insured Persons: Jenna Morley (20/10/22) Insured Address: Flat 11 Holland drive Reeceburgh , CM0A 0XX , United Kingdom Policy V alid: 25 February, 2023 to Sat 24 January, 2026 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	HTPB_SKXVKGQB	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Sat 24 January, 2026	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	25 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: y_hwqthsaactrvcqlrxzdu . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR 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_hwqthsaactrvcqlrxzdu. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this 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_hwqthsaactrvcqlrxzdu LEVEL OF COVER Silver DATE OF ISSUE Sunday 09 February, 2020 COVER PERIOD 24 October, 2023 to 25 November, 2020 EXCESS* £0 ADDRESS 82 Leon ridge Martynland RG3B 7GAYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Max Allen 01/11/21 DESTINATIONS COVERED Kyrgyz Republic OPTIONAL COVER ADDED Excess Waiver £9,066.07 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 13/03/2022 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Sunday 09 February, 2020 TRAVEL INSURANCE COVID-19 LETTER: y_hwqthsaactrvcqlrxzdu This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits 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_hwqthsaactrvcqlrxzdu Insured Persons: Max Allen (01/11/21) Insured Address: 82 Leon ridge Martynland , RG3B 7GA , United Kingdom Policy V alid: 24 October, 2023 to 25 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	y_hwqthsaactrvcqlrxzdu	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	25 November, 2020	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	24 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: SIXB//IGXTIZU_BG/COXKFD . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: SIXB//IGXTIZU_BG/COXKFD. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER SIXB//IGXTIZU_BG/COXKFD LEVEL OF COVER Silver DATE OF ISSUE 26/04/2021 COVER PERIOD 17 August, 2020 to 25 May, 2022 EXCESS* £0 ADDRESS 709 Graeme station Haywardmouth B4D 4SLYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Jason Hussain-Evans Tue 30 July, 2019 DESTINATIONS COVERED Saint Martin OPTIONAL COVER ADDED Excess Waiver £591.12 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 Thu 24 June, 2021 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 26/04/2021 TRAVEL INSURANCE COVID-19 LETTER: SIXB//IGXTIZU_BG/COXKFD This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: SIXB//IGXTIZU_BG/COXKFD Insured Persons: Jason Hussain-Evans (Tue 30 July, 2019) Insured Address: 709 Graeme station Haywardmouth , B4D 4SL , United Kingdom Policy V alid: 17 August, 2020 to 25 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	SIXB//IGXTIZU_BG/COXKFD	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	25 May, 2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	17 August, 2020	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: pow.ftlktcy_hers . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: pow.ftlktcy_hers. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER pow.ftlktcy_hers LEVEL OF COVER Silver DATE OF ISSUE 08 March, 2024 COVER PERIOD 22 January, 2024 to Sat 13 July, 2024 EXCESS* £0 ADDRESS 832 Joyce inlet South Elliot W3G 6FHYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Trevor Jones 26 January, 2021 DESTINATIONS COVERED Svalbard & Jan Mayen Islands OPTIONAL COVER ADDED Excess Waiver £306.65 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Mon 20 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 08 March, 2024 TRAVEL INSURANCE COVID-19 LETTER: pow.ftlktcy_hers This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: pow.ftlktcy_hers Insured Persons: Dr Trevor Jones (26 January, 2021) Insured Address: 832 Joyce inlet South Elliot , W3G 6FH , United Kingdom Policy V alid: 22 January, 2024 to Sat 13 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	pow.ftlktcy_hers	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Sat 13 July, 2024	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	22 January, 2024	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: XEVEIZGNSAKHEYCZO_--_PU . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: XEVEIZGNSAKHEYCZO_--_PU. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER XEVEIZGNSAKHEYCZO_--_PU LEVEL OF COVER Silver DATE OF ISSUE Sat 06 December, 2025 COVER PERIOD 21/04/2025 to 2025-04-29 EXCESS* £0 ADDRESS 205 Sandra pines Doylestad KW64 1ZEYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Jane Walker 26 December, 2022 DESTINATIONS COVERED Egypt OPTIONAL COVER ADDED Excess Waiver £7,816.17 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 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 Sat 06 December, 2025 TRAVEL INSURANCE COVID-19 LETTER: XEVEIZGNSAKHEYCZO_--_PU This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: XEVEIZGNSAKHEYCZO_--_PU Insured Persons: Dr Jane Walker (26 December, 2022) Insured Address: 205 Sandra pines Doylestad , KW64 1ZE , United Kingdom Policy V alid: 21/04/2025 to 2025-04-29 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	XEVEIZGNSAKHEYCZO_--_PU	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2025-04-29	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	21/04/2025	(?<=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: V-VZ-.UXSYKPM/KMW . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: V-VZ-.UXSYKPM/KMW. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER V-VZ-.UXSYKPM/KMW LEVEL OF COVER Silver DATE OF ISSUE Sun 10 February, 2019 COVER PERIOD 2023-12-05 to 24/09/24 EXCESS* £0 ADDRESS 726 Wright trace Port Naomi M6U 2RGYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Lydia Turner Wednesday 15 November, 2023 DESTINATIONS COVERED Wallis and Futuna OPTIONAL COVER ADDED Excess Waiver £947.99 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Sat 28 November, 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 10 February, 2019 TRAVEL INSURANCE COVID-19 LETTER: V-VZ-.UXSYKPM/KMW This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: V-VZ-.UXSYKPM/KMW Insured Persons: Lydia Turner (Wednesday 15 November, 2023) Insured Address: 726 Wright trace Port Naomi , M6U 2RG , United Kingdom Policy V alid: 2023-12-05 to 24/09/24 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	V-VZ-.UXSYKPM/KMW	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	24/09/24	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2023-12-05	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: 61.IW_J.5B . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 61.IW_J.5B. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 61.IW_J.5B LEVEL OF COVER Silver DATE OF ISSUE 26/02/2024 COVER PERIOD 2024-12-03 to 28/01/2020 EXCESS* £0 ADDRESS Flat 90 James corners South Adammouth N7T 9XGYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Charlie Waters Thu 29 July, 2021 DESTINATIONS COVERED Gambia OPTIONAL COVER ADDED Excess Waiver £5,465.20 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 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 26/02/2024 TRAVEL INSURANCE COVID-19 LETTER: 61.IW_J.5B This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 61.IW_J.5B Insured Persons: Dr Charlie Waters (Thu 29 July, 2021) Insured Address: Flat 90 James corners South Adammouth , N7T 9XG , United Kingdom Policy V alid: 2024-12-03 to 28/01/2020 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	61.IW_J.5B	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	28/01/2020	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2024-12-03	(?<=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: 2/3-8-IKNYO81 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 2/3-8-IKNYO81. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 2/3-8-IKNYO81 LEVEL OF COVER Silver DATE OF ISSUE 2023-01-13 COVER PERIOD 15/04/2020 to 30/12/2020 EXCESS* £0 ADDRESS Flat 48 Turner walks Eileentown DA0 3PTYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mrs Clare Mitchell 2021-03-03 DESTINATIONS COVERED Falkland Islands (Malvinas) OPTIONAL COVER ADDED Excess Waiver £2,421.68 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Thursday 22 August, 2019 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2023-01-13 TRAVEL INSURANCE COVID-19 LETTER: 2/3-8-IKNYO81 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 2/3-8-IKNYO81 Insured Persons: Mrs Clare Mitchell (2021-03-03) Insured Address: Flat 48 Turner walks Eileentown , DA0 3PT , United Kingdom Policy V alid: 15/04/2020 to 30/12/2020 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	2/3-8-IKNYO81	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	30/12/2020	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	15/04/2020	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: PT_7F-646B2VNDKWQNQ . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: PT_7F-646B2VNDKWQNQ. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER PT_7F-646B2VNDKWQNQ LEVEL OF COVER Silver DATE OF ISSUE 2023-12-31 COVER PERIOD 21/11/25 to 18 March, 2022 EXCESS* £0 ADDRESS Studio 5 Glenn rapids Leonardton CO7 8UEYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Wayne Wright 31/07/19 DESTINATIONS COVERED Guernsey OPTIONAL COVER ADDED Excess Waiver £5,295.57 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 2022-12-08 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2023-12-31 TRAVEL INSURANCE COVID-19 LETTER: PT_7F-646B2VNDKWQNQ This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: PT_7F-646B2VNDKWQNQ Insured Persons: Wayne Wright (31/07/19) Insured Address: Studio 5 Glenn rapids Leonardton , CO7 8UE , United Kingdom Policy V alid: 21/11/25 to 18 March, 2022 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	PT_7F-646B2VNDKWQNQ	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	18 March, 2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	21/11/25	(?<=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: rqusknuelt . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: rqusknuelt. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER rqusknuelt LEVEL OF COVER Silver DATE OF ISSUE 25/01/2026 COVER PERIOD 05/07/21 to Wed 04 August, 2021 EXCESS* £0 ADDRESS Studio 3 Thompson union Port Dawnstad S4 1DSYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Stuart Collins Monday 02 August, 2021 DESTINATIONS COVERED Samoa OPTIONAL COVER ADDED Excess Waiver £5,020.42 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 2024-07-29 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 25/01/2026 TRAVEL INSURANCE COVID-19 LETTER: rqusknuelt This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: rqusknuelt Insured Persons: Mr Stuart Collins (Monday 02 August, 2021) Insured Address: Studio 3 Thompson union Port Dawnstad , S4 1DS , United Kingdom Policy V alid: 05/07/21 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	rqusknuelt	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Wed 04 August, 2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	05/07/21	(?<=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: hyyh-nltwn/.wjbhqdklurl . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: hyyh-nltwn/.wjbhqdklurl. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER hyyh-nltwn/.wjbhqdklurl LEVEL OF COVER Silver DATE OF ISSUE 2019-02-04 COVER PERIOD 22 July, 2019 to Sun 08 September, 2019 EXCESS* £0 ADDRESS 3 Hunter shores Robinsonmouth GY6V 6WLYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Amanda Clarke 2024-12-04 DESTINATIONS COVERED Ukraine OPTIONAL COVER ADDED Excess Waiver £5,376.91 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 06/02/2025 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2019-02-04 TRAVEL INSURANCE COVID-19 LETTER: hyyh-nltwn/.wjbhqdklurl This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: hyyh-nltwn/.wjbhqdklurl Insured Persons: Amanda Clarke (2024-12-04) Insured Address: 3 Hunter shores Robinsonmouth , GY6V 6WL , United Kingdom Policy V alid: 22 July, 2019 to Sun 08 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	hyyh-nltwn/.wjbhqdklurl	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Sun 08 September, 2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	22 July, 2019	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: WQT/FBG . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: WQT/FBG. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER WQT/FBG LEVEL OF COVER Silver DATE OF ISSUE 2022-05-24 COVER PERIOD 2020-11-01 to 01/10/2023 EXCESS* £0 ADDRESS 14 Evans road Baileyside W9E 0DTYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Janet Gill 21 December, 2022 DESTINATIONS COVERED Netherlands Antilles OPTIONAL COVER ADDED Excess Waiver £8,931.13 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 09/05/2024 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 2022-05-24 TRAVEL INSURANCE COVID-19 LETTER: WQT/FBG This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: WQT/FBG Insured Persons: Janet Gill (21 December, 2022) Insured Address: 14 Evans road Baileyside , W9E 0DT , United Kingdom Policy V alid: 2020-11-01 to 01/10/2023 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	WQT/FBG	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	01/10/2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2020-11-01	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: njysxxbbchoswdodnk_cq . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: njysxxbbchoswdodnk_cq. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER njysxxbbchoswdodnk_cq LEVEL OF COVER Silver DATE OF ISSUE Fri 07 July, 2023 COVER PERIOD 20 May, 2023 to Saturday 23 December, 2023 EXCESS* £0 ADDRESS 062 Reid spur South Brenda L8 5NUYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Paige Simmons-Fisher 2020-06-23 DESTINATIONS COVERED Western Sahara OPTIONAL COVER ADDED Excess Waiver £887.07 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 18/06/2021 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 Fri 07 July, 2023 TRAVEL INSURANCE COVID-19 LETTER: njysxxbbchoswdodnk_cq This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: njysxxbbchoswdodnk_cq Insured Persons: Paige Simmons-Fisher (2020-06-23) Insured Address: 062 Reid spur South Brenda , L8 5NU , United Kingdom Policy V alid: 20 May, 2023 to Saturday 23 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	njysxxbbchoswdodnk_cq	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Saturday 23 December, 2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	20 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: QNFSSKXWSAKYP/J-IS . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: QNFSSKXWSAKYP/J-IS. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER QNFSSKXWSAKYP/J-IS LEVEL OF COVER Silver DATE OF ISSUE Tuesday 08 November, 2022 COVER PERIOD 2021-07-09 to 29 April, 2019 EXCESS* £0 ADDRESS 91 Bailey crossing Lewiston DA97 9ZDYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Harriet Gregory 2024-07-28 DESTINATIONS COVERED British Virgin Islands OPTIONAL COVER ADDED Excess Waiver £7,994.97 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 Saturday 07 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 Tuesday 08 November, 2022 TRAVEL INSURANCE COVID-19 LETTER: QNFSSKXWSAKYP/J-IS This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: QNFSSKXWSAKYP/J-IS Insured Persons: Harriet Gregory (2024-07-28) Insured Address: 91 Bailey crossing Lewiston , DA97 9ZD , United Kingdom Policy V alid: 2021-07-09 to 29 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	QNFSSKXWSAKYP/J-IS	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	29 April, 2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2021-07-09	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: 2_M/87RU1P3K . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR 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_M/87RU1P3K. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this 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_M/87RU1P3K LEVEL OF COVER Silver DATE OF ISSUE 10 June, 2023 COVER PERIOD Mon 16 October, 2023 to 18 March, 2024 EXCESS* £0 ADDRESS Studio 0 Geoffrey common Masonmouth CV5 7BYYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Annette Smith 21/08/25 DESTINATIONS COVERED Sao Tome and Principe OPTIONAL COVER ADDED Excess Waiver £6,456.25 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 17/05/2020 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 10 June, 2023 TRAVEL INSURANCE COVID-19 LETTER: 2_M/87RU1P3K This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits 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_M/87RU1P3K Insured Persons: Annette Smith (21/08/25) Insured Address: Studio 0 Geoffrey common Masonmouth , CV5 7BY , United Kingdom Policy V alid: Mon 16 October, 2023 to 18 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	2_M/87RU1P3K	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	18 March, 2024	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Mon 16 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: 43V.94Y.RGPB . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 43V.94Y.RGPB. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 43V.94Y.RGPB LEVEL OF COVER Silver DATE OF ISSUE 19 August, 2023 COVER PERIOD 01/03/22 to Wed 12 February, 2025 EXCESS* £0 ADDRESS Flat 3 Shaw extensions East Lesley B5 8UBYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Charles Davies-Turner 2019-06-19 DESTINATIONS COVERED Romania OPTIONAL COVER ADDED Excess Waiver £4,683.22 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 2024-02-19 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 19 August, 2023 TRAVEL INSURANCE COVID-19 LETTER: 43V.94Y.RGPB This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 43V.94Y.RGPB Insured Persons: Charles Davies-Turner (2019-06-19) Insured Address: Flat 3 Shaw extensions East Lesley , B5 8UB , United Kingdom Policy V alid: 01/03/22 to Wed 12 February, 2025 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	43V.94Y.RGPB	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Wed 12 February, 2025	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	01/03/22	(?<=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: asperiores-eum-aperiam . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: asperiores-eum-aperiam. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER asperiores-eum-aperiam LEVEL OF COVER Silver DATE OF ISSUE 19/02/2019 COVER PERIOD 2025-02-02 to 2022-11-05 EXCESS* £0 ADDRESS Studio 79K Lawson highway Francismouth WD1 2PWYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Eileen Edwards 2022-04-02 DESTINATIONS COVERED Lebanon OPTIONAL COVER ADDED Excess Waiver £8,098.30 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 09 January, 2021 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 19/02/2019 TRAVEL INSURANCE COVID-19 LETTER: asperiores-eum-aperiam This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: asperiores-eum-aperiam Insured Persons: Eileen Edwards (2022-04-02) Insured Address: Studio 79K Lawson highway Francismouth , WD1 2PW , United Kingdom Policy V alid: 2025-02-02 to 2022-11-05 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	asperiores-eum-aperiam	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2022-11-05	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2025-02-02	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: L6Z1V1NXJN5Z_WAIR . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: L6Z1V1NXJN5Z_WAIR. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER L6Z1V1NXJN5Z_WAIR LEVEL OF COVER Silver DATE OF ISSUE 14/10/24 COVER PERIOD Thu 01 June, 2023 to 24/06/20 EXCESS* £0 ADDRESS 075 Briggs hills Port Alanstad HS11 9SZYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Helen Davies 08/07/2022 DESTINATIONS COVERED Kazakhstan OPTIONAL COVER ADDED Excess Waiver £6,032.39 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 2023-02-14 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 14/10/24 TRAVEL INSURANCE COVID-19 LETTER: L6Z1V1NXJN5Z_WAIR This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: L6Z1V1NXJN5Z_WAIR Insured Persons: Helen Davies (08/07/2022) Insured Address: 075 Briggs hills Port Alanstad , HS11 9SZ , United Kingdom Policy V alid: Thu 01 June, 2023 to 24/06/20 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	L6Z1V1NXJN5Z_WAIR	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	24/06/20	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Thu 01 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: V_I0UQ/2BTNN . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: V_I0UQ/2BTNN. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER V_I0UQ/2BTNN LEVEL OF COVER Silver DATE OF ISSUE 09/04/2020 COVER PERIOD Tuesday 15 June, 2021 to 03/01/2023 EXCESS* £0 ADDRESS 350 Abbie loaf Austintown E5 9NXYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Gordon Bray Sat 13 July, 2024 DESTINATIONS COVERED Congo OPTIONAL COVER ADDED Excess Waiver £7,956.37 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 27/07/2025 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 09/04/2020 TRAVEL INSURANCE COVID-19 LETTER: V_I0UQ/2BTNN This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: V_I0UQ/2BTNN Insured Persons: Gordon Bray (Sat 13 July, 2024) Insured Address: 350 Abbie loaf Austintown , E5 9NX , United Kingdom Policy V alid: Tuesday 15 June, 2021 to 03/01/2023 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	V_I0UQ/2BTNN	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	03/01/2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Tuesday 15 June, 2021	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: iqzteclo/rskxiac . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: iqzteclo/rskxiac. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER iqzteclo/rskxiac LEVEL OF COVER Silver DATE OF ISSUE Sunday 15 December, 2019 COVER PERIOD Monday 27 March, 2023 to 01/02/2024 EXCESS* £0 ADDRESS 77 Harper plaza Grantshire M25 4QQYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Alice James 17 December, 2020 DESTINATIONS COVERED Isle of Man OPTIONAL COVER ADDED Excess Waiver £2,942.03 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 23/08/24 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Sunday 15 December, 2019 TRAVEL INSURANCE COVID-19 LETTER: iqzteclo/rskxiac This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: iqzteclo/rskxiac Insured Persons: Alice James (17 December, 2020) Insured Address: 77 Harper plaza Grantshire , M25 4QQ , United Kingdom Policy V alid: Monday 27 March, 2023 to 01/02/2024 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	iqzteclo/rskxiac	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	01/02/2024	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Monday 27 March, 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: hsetjjrdhcqjeo . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: hsetjjrdhcqjeo. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER hsetjjrdhcqjeo LEVEL OF COVER Silver DATE OF ISSUE 2024-08-07 COVER PERIOD Sun 24 November, 2019 to 21 July, 2023 EXCESS* £0 ADDRESS Flat 7 Wells streets New Lyndafurt N27 5AYYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Vincent Johnson 27/09/2025 DESTINATIONS COVERED Latvia OPTIONAL COVER ADDED Excess Waiver £8,664.93 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 10/12/25 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 2024-08-07 TRAVEL INSURANCE COVID-19 LETTER: hsetjjrdhcqjeo This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: hsetjjrdhcqjeo Insured Persons: Mr Vincent Johnson (27/09/2025) Insured Address: Flat 7 Wells streets New Lyndafurt , N27 5AY , United Kingdom Policy V alid: Sun 24 November, 2019 to 21 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	hsetjjrdhcqjeo	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	21 July, 2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Sun 24 November, 2019	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: NYJFCC--RC/OMEB.Z.VGJJJ . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: NYJFCC--RC/OMEB.Z.VGJJJ. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER NYJFCC--RC/OMEB.Z.VGJJJ LEVEL OF COVER Silver DATE OF ISSUE 18/05/2023 COVER PERIOD 16 October, 2025 to 26 February, 2020 EXCESS* £0 ADDRESS 79 Gregory station Port Lorraine E65 6RWYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Alexandra Hunt 07/09/22 DESTINATIONS COVERED Albania OPTIONAL COVER ADDED Excess Waiver £930.04 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 2023-10-03 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 18/05/2023 TRAVEL INSURANCE COVID-19 LETTER: NYJFCC--RC/OMEB.Z.VGJJJ This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: NYJFCC--RC/OMEB.Z.VGJJJ Insured Persons: Dr Alexandra Hunt (07/09/22) Insured Address: 79 Gregory station Port Lorraine , E65 6RW , United Kingdom Policy V alid: 16 October, 2025 to 26 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	NYJFCC--RC/OMEB.Z.VGJJJ	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	26 February, 2020	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	16 October, 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: inkujfhfmdnurhptyjaacnn . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: inkujfhfmdnurhptyjaacnn. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER inkujfhfmdnurhptyjaacnn LEVEL OF COVER Silver DATE OF ISSUE Wed 09 September, 2020 COVER PERIOD 09/02/2019 to Fri 02 August, 2019 EXCESS* £0 ADDRESS 58 Emma village Ellisfort UB9Y 5TAYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Jasmine Phillips Sunday 04 April, 2021 DESTINATIONS COVERED Vanuatu OPTIONAL COVER ADDED Excess Waiver £4,860.67 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Sat 21 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 Wed 09 September, 2020 TRAVEL INSURANCE COVID-19 LETTER: inkujfhfmdnurhptyjaacnn This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: inkujfhfmdnurhptyjaacnn Insured Persons: Jasmine Phillips (Sunday 04 April, 2021) Insured Address: 58 Emma village Ellisfort , UB9Y 5TA , United Kingdom Policy V alid: 09/02/2019 to Fri 02 August, 2019 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	inkujfhfmdnurhptyjaacnn	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Fri 02 August, 2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	09/02/2019	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: 3BUEZHLP9RTH1-9-L7 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 3BUEZHLP9RTH1-9-L7. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 3BUEZHLP9RTH1-9-L7 LEVEL OF COVER Silver DATE OF ISSUE Friday 27 May, 2022 COVER PERIOD 14/06/2020 to 04/09/2023 EXCESS* £0 ADDRESS Studio 75 Harriet field South Fionaport L9 1QQYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Joel Cole 2020-10-14 DESTINATIONS COVERED Benin OPTIONAL COVER ADDED Excess Waiver £7,495.02 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 2022-01-06 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Friday 27 May, 2022 TRAVEL INSURANCE COVID-19 LETTER: 3BUEZHLP9RTH1-9-L7 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 3BUEZHLP9RTH1-9-L7 Insured Persons: Mr Joel Cole (2020-10-14) Insured Address: Studio 75 Harriet field South Fionaport , L9 1QQ , United Kingdom Policy V alid: 14/06/2020 to 04/09/2023 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	3BUEZHLP9RTH1-9-L7	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	04/09/2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	14/06/2020	(?<=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: X6U92/B/BILASYRI.EOG2JWF . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: X6U92/B/BILASYRI.EOG2JWF. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER X6U92/B/BILASYRI.EOG2JWF LEVEL OF COVER Silver DATE OF ISSUE Sun 25 December, 2022 COVER PERIOD 06 September, 2019 to Friday 13 August, 2021 EXCESS* £0 ADDRESS 1 Gail square West Alicefurt IM3A 6WSYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Wayne Williams Saturday 03 June, 2023 DESTINATIONS COVERED Mexico OPTIONAL COVER ADDED Excess Waiver £7,076.03 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 05/03/21 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 25 December, 2022 TRAVEL INSURANCE COVID-19 LETTER: X6U92/B/BILASYRI.EOG2JWF This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: X6U92/B/BILASYRI.EOG2JWF Insured Persons: Wayne Williams (Saturday 03 June, 2023) Insured Address: 1 Gail square West Alicefurt , IM3A 6WS , United Kingdom Policy V alid: 06 September, 2019 to Friday 13 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	X6U92/B/BILASYRI.EOG2JWF	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Friday 13 August, 2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	06 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: mw_nsiy . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: mw_nsiy. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER mw_nsiy LEVEL OF COVER Silver DATE OF ISSUE 10/03/2025 COVER PERIOD Saturday 28 November, 2020 to Sat 16 October, 2021 EXCESS* £0 ADDRESS 85 Mohammed place Brownfort M38 1TLYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Janice Lawrence 17 October, 2019 DESTINATIONS COVERED Turkmenistan OPTIONAL COVER ADDED Excess Waiver £2,683.39 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Wed 14 August, 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 10/03/2025 TRAVEL INSURANCE COVID-19 LETTER: mw_nsiy This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: mw_nsiy Insured Persons: Janice Lawrence (17 October, 2019) Insured Address: 85 Mohammed place Brownfort , M38 1TL , United Kingdom Policy V alid: Saturday 28 November, 2020 to Sat 16 October, 2021 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	mw_nsiy	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Sat 16 October, 2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Saturday 28 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: WPLGJLBKKST . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: WPLGJLBKKST. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER WPLGJLBKKST LEVEL OF COVER Silver DATE OF ISSUE 23/06/21 COVER PERIOD Sun 01 October, 2023 to Wed 09 October, 2019 EXCESS* £0 ADDRESS Flat 1 Jones gardens Savagefurt SS3 6NUYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Denis Hale Tue 17 September, 2019 DESTINATIONS COVERED Honduras OPTIONAL COVER ADDED Excess Waiver £1,527.20 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 Tue 24 September, 2024 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 23/06/21 TRAVEL INSURANCE COVID-19 LETTER: WPLGJLBKKST This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: WPLGJLBKKST Insured Persons: Denis Hale (Tue 17 September, 2019) Insured Address: Flat 1 Jones gardens Savagefurt , SS3 6NU , United Kingdom Policy V alid: Sun 01 October, 2023 to Wed 09 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	WPLGJLBKKST	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Wed 09 October, 2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Sun 01 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: RO13NCNGC6KEV9TWOGU/WVE . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: RO13NCNGC6KEV9TWOGU/WVE. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER RO13NCNGC6KEV9TWOGU/WVE LEVEL OF COVER Silver DATE OF ISSUE 2019-12-03 COVER PERIOD 13/08/19 to 2023-09-14 EXCESS* £0 ADDRESS Studio 41 Poole extension Port Peterchester B49 0SPYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Carolyn Williams 2024-11-13 DESTINATIONS COVERED Spain OPTIONAL COVER ADDED Excess Waiver £1,736.16 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 Wednesday 30 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 2019-12-03 TRAVEL INSURANCE COVID-19 LETTER: RO13NCNGC6KEV9TWOGU/WVE This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: RO13NCNGC6KEV9TWOGU/WVE Insured Persons: Carolyn Williams (2024-11-13) Insured Address: Studio 41 Poole extension Port Peterchester , B49 0SP , United Kingdom Policy V alid: 13/08/19 to 2023-09-14 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	RO13NCNGC6KEV9TWOGU/WVE	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2023-09-14	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	13/08/19	(?<=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: ge_xrqvrzbru . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: ge_xrqvrzbru. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER ge_xrqvrzbru LEVEL OF COVER Silver DATE OF ISSUE Sat 01 October, 2022 COVER PERIOD 27/07/2020 to 11 June, 2025 EXCESS* £0 ADDRESS Studio 67c Karl pine South Lindseyburgh W45 9ASYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Jill Edwards-Smith 02/01/25 DESTINATIONS COVERED Guatemala OPTIONAL COVER ADDED Excess Waiver £8,016.93 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 07 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 Sat 01 October, 2022 TRAVEL INSURANCE COVID-19 LETTER: ge_xrqvrzbru This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: ge_xrqvrzbru Insured Persons: Jill Edwards-Smith (02/01/25) Insured Address: Studio 67c Karl pine South Lindseyburgh , W45 9AS , United Kingdom Policy V alid: 27/07/2020 to 11 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	ge_xrqvrzbru	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	11 June, 2025	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	27/07/2020	(?<=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: y.guyoohabybzdxktmn.wof . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR 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.guyoohabybzdxktmn.wof. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this 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.guyoohabybzdxktmn.wof LEVEL OF COVER Silver DATE OF ISSUE Monday 11 April, 2022 COVER PERIOD 29/04/2019 to 2020-05-20 EXCESS* £0 ADDRESS Flat 66 Mason forges Lake Jake LS4V 5RJYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Jasmine Johnson 21/01/2025 DESTINATIONS COVERED Georgia OPTIONAL COVER ADDED Excess Waiver £3,072.14 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 Tue 08 October, 2024 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Monday 11 April, 2022 TRAVEL INSURANCE COVID-19 LETTER: y.guyoohabybzdxktmn.wof This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits 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.guyoohabybzdxktmn.wof Insured Persons: Dr Jasmine Johnson (21/01/2025) Insured Address: Flat 66 Mason forges Lake Jake , LS4V 5RJ , United Kingdom Policy V alid: 29/04/2019 to 2020-05-20 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	y.guyoohabybzdxktmn.wof	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2020-05-20	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	29/04/2019	(?<=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: JHW58EM3 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: JHW58EM3. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER JHW58EM3 LEVEL OF COVER Silver DATE OF ISSUE 17/02/2025 COVER PERIOD Sunday 13 September, 2020 to 2019-10-12 EXCESS* £0 ADDRESS 2 Andrews turnpike Smithmouth M1 8TJYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Richard Storey Sat 10 September, 2022 DESTINATIONS COVERED Indonesia OPTIONAL COVER ADDED Excess Waiver £4,259.63 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 04/06/21 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 17/02/2025 TRAVEL INSURANCE COVID-19 LETTER: JHW58EM3 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: JHW58EM3 Insured Persons: Mr Richard Storey (Sat 10 September, 2022) Insured Address: 2 Andrews turnpike Smithmouth , M1 8TJ , United Kingdom Policy V alid: Sunday 13 September, 2020 to 2019-10-12 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	JHW58EM3	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2019-10-12	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Sunday 13 September, 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: 5FB0SKHWZ . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 5FB0SKHWZ. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 5FB0SKHWZ LEVEL OF COVER Silver DATE OF ISSUE 30/10/2023 COVER PERIOD 2024-11-29 to Wed 12 January, 2022 EXCESS* £0 ADDRESS 7 O'Donnell pines Hillbury PH26 2WNYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Timothy Wood 22/02/21 DESTINATIONS COVERED Monaco OPTIONAL COVER ADDED Excess Waiver £7,438.25 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 05/01/25 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 30/10/2023 TRAVEL INSURANCE COVID-19 LETTER: 5FB0SKHWZ This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 5FB0SKHWZ Insured Persons: Timothy Wood (22/02/21) Insured Address: 7 O'Donnell pines Hillbury , PH26 2WN , United Kingdom Policy V alid: 2024-11-29 to Wed 12 January, 2022 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	5FB0SKHWZ	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Wed 12 January, 2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2024-11-29	(?<=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: WAZNOYDSPOYAP4T6G . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: WAZNOYDSPOYAP4T6G. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER WAZNOYDSPOYAP4T6G LEVEL OF COVER Silver DATE OF ISSUE Thu 14 November, 2019 COVER PERIOD Saturday 13 May, 2023 to 2023-05-31 EXCESS* £0 ADDRESS 939 Joyce flats Watsonberg G29 5AZYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Gemma Ashton 12 April, 2024 DESTINATIONS COVERED Rwanda OPTIONAL COVER ADDED Excess Waiver £543.62 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 25/06/20 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 Thu 14 November, 2019 TRAVEL INSURANCE COVID-19 LETTER: WAZNOYDSPOYAP4T6G This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: WAZNOYDSPOYAP4T6G Insured Persons: Gemma Ashton (12 April, 2024) Insured Address: 939 Joyce flats Watsonberg , G29 5AZ , United Kingdom Policy V alid: Saturday 13 May, 2023 to 2023-05-31 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	WAZNOYDSPOYAP4T6G	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2023-05-31	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Saturday 13 May, 2023	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: YAY/275.XWU8GFS1B25L . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: YAY/275.XWU8GFS1B25L. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER YAY/275.XWU8GFS1B25L LEVEL OF COVER Silver DATE OF ISSUE Thu 09 January, 2020 COVER PERIOD Wednesday 23 October, 2024 to 2024-07-08 EXCESS* £0 ADDRESS 898 Banks forges Port Dominic DG2 1NBYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Stanley Turner 08/02/2022 DESTINATIONS COVERED Canada OPTIONAL COVER ADDED Excess Waiver £5,699.59 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 29 March, 2023 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Thu 09 January, 2020 TRAVEL INSURANCE COVID-19 LETTER: YAY/275.XWU8GFS1B25L This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: YAY/275.XWU8GFS1B25L Insured Persons: Dr Stanley Turner (08/02/2022) Insured Address: 898 Banks forges Port Dominic , DG2 1NB , United Kingdom Policy V alid: Wednesday 23 October, 2024 to 2024-07-08 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	YAY/275.XWU8GFS1B25L	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2024-07-08	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Wednesday 23 October, 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: 30BGAL1WE/POR . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 30BGAL1WE/POR. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 30BGAL1WE/POR LEVEL OF COVER Silver DATE OF ISSUE Monday 18 February, 2019 COVER PERIOD 03 January, 2024 to Thursday 09 May, 2019 EXCESS* £0 ADDRESS Studio 2 Dixon dale East Ellieport TA4 8NUYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Allan Smith Mon 27 May, 2024 DESTINATIONS COVERED Nigeria OPTIONAL COVER ADDED Excess Waiver £5,066.90 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 Monday 23 September, 2019 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Monday 18 February, 2019 TRAVEL INSURANCE COVID-19 LETTER: 30BGAL1WE/POR This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 30BGAL1WE/POR Insured Persons: Allan Smith (Mon 27 May, 2024) Insured Address: Studio 2 Dixon dale East Ellieport , TA4 8NU , United Kingdom Policy V alid: 03 January, 2024 to Thursday 09 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	30BGAL1WE/POR	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Thursday 09 May, 2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	03 January, 2024	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: PLV5WNWUX2DU6R5J2M . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: PLV5WNWUX2DU6R5J2M. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER PLV5WNWUX2DU6R5J2M LEVEL OF COVER Silver DATE OF ISSUE 17/11/24 COVER PERIOD 30/03/22 to 2023-04-22 EXCESS* £0 ADDRESS 87 Blackburn stravenue Port Jacobbury DG3N 6TGYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Clifford Scott Fri 14 March, 2025 DESTINATIONS COVERED British Virgin Islands OPTIONAL COVER ADDED Excess Waiver £4,904.43 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 30/04/2022 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 17/11/24 TRAVEL INSURANCE COVID-19 LETTER: PLV5WNWUX2DU6R5J2M This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: PLV5WNWUX2DU6R5J2M Insured Persons: Clifford Scott (Fri 14 March, 2025) Insured Address: 87 Blackburn stravenue Port Jacobbury , DG3N 6TG , United Kingdom Policy V alid: 30/03/22 to 2023-04-22 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	PLV5WNWUX2DU6R5J2M	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2023-04-22	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	30/03/22	(?<=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: 4I5KL0PJ7/BURJ8OL . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 4I5KL0PJ7/BURJ8OL. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 4I5KL0PJ7/BURJ8OL LEVEL OF COVER Silver DATE OF ISSUE 19/06/21 COVER PERIOD 03/08/2021 to 27/11/2021 EXCESS* £0 ADDRESS Flat 1 Gray shores Neilberg B53 8BPYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mrs Lynda Williams 21/08/25 DESTINATIONS COVERED Iran OPTIONAL COVER ADDED Excess Waiver £2,081.21 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 Thu 11 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 19/06/21 TRAVEL INSURANCE COVID-19 LETTER: 4I5KL0PJ7/BURJ8OL This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 4I5KL0PJ7/BURJ8OL Insured Persons: Mrs Lynda Williams (21/08/25) Insured Address: Flat 1 Gray shores Neilberg , B53 8BP , United Kingdom Policy V alid: 03/08/2021 to 27/11/2021 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	4I5KL0PJ7/BURJ8OL	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	27/11/2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	03/08/2021	(?<=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: VONTJPZID . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: VONTJPZID. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER VONTJPZID LEVEL OF COVER Silver DATE OF ISSUE 17/02/2021 COVER PERIOD Tue 01 December, 2020 to 21/11/24 EXCESS* £0 ADDRESS Studio 1 Amelia flat Rowehaven E4G 2YZYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Abigail Atkinson 2025-05-25 DESTINATIONS COVERED Cayman Islands OPTIONAL COVER ADDED Excess Waiver £7,834.67 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 18/11/2022 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 17/02/2021 TRAVEL INSURANCE COVID-19 LETTER: VONTJPZID This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: VONTJPZID Insured Persons: Abigail Atkinson (2025-05-25) Insured Address: Studio 1 Amelia flat Rowehaven , E4G 2YZ , United Kingdom Policy V alid: Tue 01 December, 2020 to 21/11/24 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	VONTJPZID	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	21/11/24	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Tue 01 December, 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: 306INFB39_FIT . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 306INFB39_FIT. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 306INFB39_FIT LEVEL OF COVER Silver DATE OF ISSUE 04/12/2023 COVER PERIOD 21 January, 2023 to 25/10/2021 EXCESS* £0 ADDRESS 0 Saunders loaf Harrisburgh E5B 5ETYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Barry Williams 19/12/19 DESTINATIONS COVERED Morocco OPTIONAL COVER ADDED Excess Waiver £3,314.27 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 02/10/2020 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 04/12/2023 TRAVEL INSURANCE COVID-19 LETTER: 306INFB39_FIT This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 306INFB39_FIT Insured Persons: Barry Williams (19/12/19) Insured Address: 0 Saunders loaf Harrisburgh , E5B 5ET , United Kingdom Policy V alid: 21 January, 2023 to 25/10/2021 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	306INFB39_FIT	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	25/10/2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	21 January, 2023	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: CMFL-YIADP_VYSJL-LJ_P . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: CMFL-YIADP_VYSJL-LJ_P. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER CMFL-YIADP_VYSJL-LJ_P LEVEL OF COVER Silver DATE OF ISSUE 18 December, 2024 COVER PERIOD Sunday 08 May, 2022 to 22/06/2021 EXCESS* £0 ADDRESS 839 Elaine locks Smithchester WC6Y 1NFYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Melissa Khan 25/02/2019 DESTINATIONS COVERED Pakistan OPTIONAL COVER ADDED Excess Waiver £7,698.73 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Wednesday 23 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 18 December, 2024 TRAVEL INSURANCE COVID-19 LETTER: CMFL-YIADP_VYSJL-LJ_P This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: CMFL-YIADP_VYSJL-LJ_P Insured Persons: Melissa Khan (25/02/2019) Insured Address: 839 Elaine locks Smithchester , WC6Y 1NF , United Kingdom Policy V alid: Sunday 08 May, 2022 to 22/06/2021 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	CMFL-YIADP_VYSJL-LJ_P	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	22/06/2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Sunday 08 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: 9T.MOFLP1A_K074MG . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 9T.MOFLP1A_K074MG. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 9T.MOFLP1A_K074MG LEVEL OF COVER Silver DATE OF ISSUE 30/08/2019 COVER PERIOD 14/07/20 to 26 June, 2022 EXCESS* £0 ADDRESS 3 Joyce walks New Alisonton N8 8FYYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Cameron Moore 04/05/24 DESTINATIONS COVERED Cuba OPTIONAL COVER ADDED Excess Waiver £3,323.76 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 02 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 30/08/2019 TRAVEL INSURANCE COVID-19 LETTER: 9T.MOFLP1A_K074MG This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 9T.MOFLP1A_K074MG Insured Persons: Mr Cameron Moore (04/05/24) Insured Address: 3 Joyce walks New Alisonton , N8 8FY , United Kingdom Policy V alid: 14/07/20 to 26 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	9T.MOFLP1A_K074MG	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	26 June, 2022	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	14/07/20	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: h_eqjzwifkeweh_yhgtcd . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: h_eqjzwifkeweh_yhgtcd. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER h_eqjzwifkeweh_yhgtcd LEVEL OF COVER Silver DATE OF ISSUE 07/03/24 COVER PERIOD Wed 04 December, 2024 to Thursday 08 August, 2024 EXCESS* £0 ADDRESS Studio 24 Paige crossroad Victoriabury M88 1EYYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Kieran Birch 19/09/2019 DESTINATIONS COVERED Norway OPTIONAL COVER ADDED Excess Waiver £27.72 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 2023-03-15 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 07/03/24 TRAVEL INSURANCE COVID-19 LETTER: h_eqjzwifkeweh_yhgtcd This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: h_eqjzwifkeweh_yhgtcd Insured Persons: Mr Kieran Birch (19/09/2019) Insured Address: Studio 24 Paige crossroad Victoriabury , M88 1EY , United Kingdom Policy V alid: Wed 04 December, 2024 to Thursday 08 August, 2024 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	h_eqjzwifkeweh_yhgtcd	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Thursday 08 August, 2024	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Wed 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: GHM2TV6 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: GHM2TV6. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER GHM2TV6 LEVEL OF COVER Silver DATE OF ISSUE 2021-05-15 COVER PERIOD 20/07/19 to 2025-03-26 EXCESS* £0 ADDRESS Studio 18 Phillips drives New Charlene N8K 2QPYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Chelsea Gray Thursday 11 September, 2025 DESTINATIONS COVERED Australia OPTIONAL COVER ADDED Excess Waiver £7,722.08 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 2021-04-26 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 2021-05-15 TRAVEL INSURANCE COVID-19 LETTER: GHM2TV6 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: GHM2TV6 Insured Persons: Chelsea Gray (Thursday 11 September, 2025) Insured Address: Studio 18 Phillips drives New Charlene , N8K 2QP , United Kingdom Policy V alid: 20/07/19 to 2025-03-26 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	GHM2TV6	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2025-03-26	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	20/07/19	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: 3V5E18KCEJL8B1/VEBX/K1 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 3V5E18KCEJL8B1/VEBX/K1. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 3V5E18KCEJL8B1/VEBX/K1 LEVEL OF COVER Silver DATE OF ISSUE Tue 18 February, 2020 COVER PERIOD 2020-05-07 to 19/01/2024 EXCESS* £0 ADDRESS Flat 45 Craig island Lyonston S07 9BNYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Margaret Lane 09/02/24 DESTINATIONS COVERED Turkey OPTIONAL COVER ADDED Excess Waiver £5,335.01 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 10/11/21 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 Tue 18 February, 2020 TRAVEL INSURANCE COVID-19 LETTER: 3V5E18KCEJL8B1/VEBX/K1 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 3V5E18KCEJL8B1/VEBX/K1 Insured Persons: Margaret Lane (09/02/24) Insured Address: Flat 45 Craig island Lyonston , S07 9BN , United Kingdom Policy V alid: 2020-05-07 to 19/01/2024 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	3V5E18KCEJL8B1/VEBX/K1	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	19/01/2024	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2020-05-07	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: 3C8PG-JZGIX34/K3LXLAP4M . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 3C8PG-JZGIX34/K3LXLAP4M. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 3C8PG-JZGIX34/K3LXLAP4M LEVEL OF COVER Silver DATE OF ISSUE Tuesday 14 February, 2023 COVER PERIOD Thursday 06 October, 2022 to Wed 27 January, 2021 EXCESS* £0 ADDRESS Flat 77c Tom freeway West Kellyton CW9B 2FFYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Lydia Davies-Parker 11/11/2025 DESTINATIONS COVERED Guadeloupe OPTIONAL COVER ADDED Excess Waiver £7,668.52 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 2021-04-14 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Tuesday 14 February, 2023 TRAVEL INSURANCE COVID-19 LETTER: 3C8PG-JZGIX34/K3LXLAP4M This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 3C8PG-JZGIX34/K3LXLAP4M Insured Persons: Lydia Davies-Parker (11/11/2025) Insured Address: Flat 77c Tom freeway West Kellyton , CW9B 2FF , United Kingdom Policy V alid: Thursday 06 October, 2022 to Wed 27 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	3C8PG-JZGIX34/K3LXLAP4M	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Wed 27 January, 2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Thursday 06 October, 2022	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: IKXVFPZTUX/MO . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: IKXVFPZTUX/MO. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER IKXVFPZTUX/MO LEVEL OF COVER Silver DATE OF ISSUE Wed 08 October, 2025 COVER PERIOD Wed 04 December, 2024 to Fri 12 March, 2021 EXCESS* £0 ADDRESS Studio 46q Stephen course Blackburnshire G8 1QFYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Maureen Harrison 04/06/19 DESTINATIONS COVERED Andorra OPTIONAL COVER ADDED Excess Waiver £9,815.71 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Tue 25 April, 2023 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Wed 08 October, 2025 TRAVEL INSURANCE COVID-19 LETTER: IKXVFPZTUX/MO This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: IKXVFPZTUX/MO Insured Persons: Maureen Harrison (04/06/19) Insured Address: Studio 46q Stephen course Blackburnshire , G8 1QF , United Kingdom Policy V alid: Wed 04 December, 2024 to Fri 12 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	IKXVFPZTUX/MO	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Fri 12 March, 2021	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Wed 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: U_WF.TP-SP-ATQOEVO . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: U_WF.TP-SP-ATQOEVO. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER U_WF.TP-SP-ATQOEVO LEVEL OF COVER Silver DATE OF ISSUE 2026-01-14 COVER PERIOD 2022-08-21 to Friday 03 July, 2020 EXCESS* £0 ADDRESS 7 Hammond orchard Lake Andrea BD3N 2YAYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Stanley Lee Friday 21 August, 2020 DESTINATIONS COVERED Afghanistan OPTIONAL COVER ADDED Excess Waiver £9,010.91 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 Wednesday 21 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 2026-01-14 TRAVEL INSURANCE COVID-19 LETTER: U_WF.TP-SP-ATQOEVO This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: U_WF.TP-SP-ATQOEVO Insured Persons: Stanley Lee (Friday 21 August, 2020) Insured Address: 7 Hammond orchard Lake Andrea , BD3N 2YA , United Kingdom Policy V alid: 2022-08-21 to Friday 03 July, 2020 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	U_WF.TP-SP-ATQOEVO	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Friday 03 July, 2020	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2022-08-21	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: dtlznmbcvo-azwau.ovh . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: dtlznmbcvo-azwau.ovh. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER dtlznmbcvo-azwau.ovh LEVEL OF COVER Silver DATE OF ISSUE Fri 19 November, 2021 COVER PERIOD 03/12/24 to 23 November, 2023 EXCESS* £0 ADDRESS 94 Eric roads Lorrainetown GU4P 5BRYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Paul Knight-Rose Tue 11 July, 2023 DESTINATIONS COVERED Togo OPTIONAL COVER ADDED Excess Waiver £6,391.16 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 Saturday 08 November, 2025 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Fri 19 November, 2021 TRAVEL INSURANCE COVID-19 LETTER: dtlznmbcvo-azwau.ovh This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: dtlznmbcvo-azwau.ovh Insured Persons: Paul Knight-Rose (Tue 11 July, 2023) Insured Address: 94 Eric roads Lorrainetown , GU4P 5BR , United Kingdom Policy V alid: 03/12/24 to 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	dtlznmbcvo-azwau.ovh	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	23 November, 2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	03/12/24	(?<=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: YNWZ8KSQV . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: YNWZ8KSQV. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER YNWZ8KSQV LEVEL OF COVER Silver DATE OF ISSUE Sat 11 May, 2019 COVER PERIOD 2020-11-12 to 2024-11-14 EXCESS* £0 ADDRESS Studio 33k Alan well North Andreaport M4S 5JEYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Dr Barry Foster 26 November, 2019 DESTINATIONS COVERED Albania OPTIONAL COVER ADDED Excess Waiver £910.32 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 18 February, 2025 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Sat 11 May, 2019 TRAVEL INSURANCE COVID-19 LETTER: YNWZ8KSQV This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: YNWZ8KSQV Insured Persons: Dr Barry Foster (26 November, 2019) Insured Address: Studio 33k Alan well North Andreaport , M4S 5JE , United Kingdom Policy V alid: 2020-11-12 to 2024-11-14 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	YNWZ8KSQV	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2024-11-14	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2020-11-12	(?<=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: 6K27QQC3Z . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 6K27QQC3Z. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 6K27QQC3Z LEVEL OF COVER Silver DATE OF ISSUE Sunday 21 March, 2021 COVER PERIOD Thu 07 May, 2020 to 17/11/24 EXCESS* £0 ADDRESS 026 Hobbs estate Carolynside M93 6NHYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Kathryn Clark 04/12/2025 DESTINATIONS COVERED Panama OPTIONAL COVER ADDED Excess Waiver £7,980.43 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 19 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 Sunday 21 March, 2021 TRAVEL INSURANCE COVID-19 LETTER: 6K27QQC3Z This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 6K27QQC3Z Insured Persons: Kathryn Clark (04/12/2025) Insured Address: 026 Hobbs estate Carolynside , M93 6NH , United Kingdom Policy V alid: Thu 07 May, 2020 to 17/11/24 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	6K27QQC3Z	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	17/11/24	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Thu 07 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: UZBDRWPXT.UVWG . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: UZBDRWPXT.UVWG. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER UZBDRWPXT.UVWG LEVEL OF COVER Silver DATE OF ISSUE 13/05/24 COVER PERIOD 30/12/21 to 25 May, 2024 EXCESS* £0 ADDRESS Studio 78V Lewis station Schofieldtown S0 0BGYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Toby Collins 29/06/23 DESTINATIONS COVERED San Marino OPTIONAL COVER ADDED Excess Waiver £4,963.25 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 28/07/23 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 13/05/24 TRAVEL INSURANCE COVID-19 LETTER: UZBDRWPXT.UVWG This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: UZBDRWPXT.UVWG Insured Persons: Toby Collins (29/06/23) Insured Address: Studio 78V Lewis station Schofieldtown , S0 0BG , United Kingdom Policy V alid: 30/12/21 to 25 May, 2024 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	UZBDRWPXT.UVWG	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	25 May, 2024	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	30/12/21	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: 8/169X64Y4 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 8/169X64Y4. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 8/169X64Y4 LEVEL OF COVER Silver DATE OF ISSUE 28 November, 2019 COVER PERIOD Tuesday 02 May, 2023 to 07/04/24 EXCESS* £0 ADDRESS 66 Gareth garden New Leonardstad NR7 1AJYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Mr Eric Morris 18/11/22 DESTINATIONS COVERED Indonesia OPTIONAL COVER ADDED Excess Waiver £6,362.54 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 Thursday 25 August, 2022 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 28 November, 2019 TRAVEL INSURANCE COVID-19 LETTER: 8/169X64Y4 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 8/169X64Y4 Insured Persons: Mr Eric Morris (18/11/22) Insured Address: 66 Gareth garden New Leonardstad , NR7 1AJ , United Kingdom Policy V alid: Tuesday 02 May, 2023 to 07/04/24 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	8/169X64Y4	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	07/04/24	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	Tuesday 02 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: WS._HM/_VQNOL . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: WS._HM/_VQNOL. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER WS._HM/_VQNOL LEVEL OF COVER Silver DATE OF ISSUE Friday 03 March, 2023 COVER PERIOD 08/09/19 to 26/10/2019 EXCESS* £0 ADDRESS 82 Julie prairie New Abdul M6F 2GFYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Rosemary Thorpe Saturday 28 August, 2021 DESTINATIONS COVERED China OPTIONAL COVER ADDED Excess Waiver £9,336.06 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 Sat 09 October, 2021 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 Friday 03 March, 2023 TRAVEL INSURANCE COVID-19 LETTER: WS._HM/_VQNOL This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: WS._HM/_VQNOL Insured Persons: Rosemary Thorpe (Saturday 28 August, 2021) Insured Address: 82 Julie prairie New Abdul , M6F 2GF , United Kingdom Policy V alid: 08/09/19 to 26/10/2019 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	WS._HM/_VQNOL	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	26/10/2019	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	08/09/19	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: HCS8KPM-1H/_EEV . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: HCS8KPM-1H/_EEV. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER HCS8KPM-1H/_EEV LEVEL OF COVER Silver DATE OF ISSUE 23/03/2025 COVER PERIOD 04/05/2021 to 06/08/2020 EXCESS* £0 ADDRESS 9 Daniel orchard South Benjaminport S17 8LWYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Joan Palmer Thu 14 November, 2019 DESTINATIONS COVERED Sudan OPTIONAL COVER ADDED Excess Waiver £906.49 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 Thu 13 April, 2023 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 23/03/2025 TRAVEL INSURANCE COVID-19 LETTER: HCS8KPM-1H/_EEV This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: HCS8KPM-1H/_EEV Insured Persons: Joan Palmer (Thu 14 November, 2019) Insured Address: 9 Daniel orchard South Benjaminport , S17 8LW , United Kingdom Policy V alid: 04/05/2021 to 06/08/2020 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	HCS8KPM-1H/_EEV	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	06/08/2020	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	04/05/2021	(?<=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: UAGP.OQXJQSG . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: UAGP.OQXJQSG. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER UAGP.OQXJQSG LEVEL OF COVER Silver DATE OF ISSUE 08 August, 2022 COVER PERIOD 19 October, 2022 to 2020-01-11 EXCESS* £0 ADDRESS Studio 0 Gardner lake Phillipsside IV1 2DTYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Gordon Barrett 06/06/23 DESTINATIONS COVERED Philippines OPTIONAL COVER ADDED Excess Waiver £9,058.76 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD 07/12/20 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 08 August, 2022 TRAVEL INSURANCE COVID-19 LETTER: UAGP.OQXJQSG This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: UAGP.OQXJQSG Insured Persons: Gordon Barrett (06/06/23) Insured Address: Studio 0 Gardner lake Phillipsside , IV1 2DT , United Kingdom Policy V alid: 19 October, 2022 to 2020-01-11 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	UAGP.OQXJQSG	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	2020-01-11	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	19 October, 2022	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02
cover-4-you-travel	Your Travel Insurance Policy Documents Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU Thank you for purchasing a CoverForYou Insurance product from www.coverforyou.com . YOUR POLICY NUMBER IS: 6791-MEY2B-RDQC5441 . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: 6791-MEY2B-RDQC5441. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER 6791-MEY2B-RDQC5441 LEVEL OF COVER Silver DATE OF ISSUE 29 June, 2019 COVER PERIOD 2022-12-20 to Monday 20 February, 2023 EXCESS* £0 ADDRESS Studio 22R Edwards heights Annetteberg W5W 4LJYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Scott Read 18/07/23 DESTINATIONS COVERED Malawi OPTIONAL COVER ADDED Excess Waiver £7,971.09 TOTAL PRICE (INC. IPT) HOWTO MAKE A CLAIM Medical Emergency: Call CEG A Medical Assistance 24 hours: +44 1473 351 755 All other claims: View the latest contact details on www .coverforyou. com/claims Important Information Medical Conditions: Your policy does not include cover for any medical conditions (either pre-existing or undiagnosed). If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover maybe reduced, click here for more information. The excess if applicable applies to each section claimed for , per person, per incident Issued By: WorldWide Internet Insurance Services Limited t/a CoverFor You Postal Address: CoverFor You, Suite 5, Floor 3, Kings Court, London R oad, S tevenage , SG1 2NG. T: 0203 137 8981 E: directsales@coverforyou. co.uk W: www .coverforyou. com Important Notice This document attaches to (and must be read in conjunction with) the policy wording and forms part of the contract of insurance . This document must be presented to the loss adjusters in the event ofa claim. All terms, conditions, warranties, limitations and exclusions as contained in the original certificate apply to any endorsements / extensions unless specifically amended therein. Page 1 of 1Page / 1 TRAVEL INSURANCE WORDING CONTENT Useful Information 3 Introduction 9 De/f_initions 10 General conditions applicable to the whole policy 12 Claims conditions 13 Important conditions relating to health 13 What is not covered - applicable to all sections of the policy 14 Sports and activities covered 16 Howto contact us in an emergency 18 Section A- Cancellation or curtailment charges 19 Section B- Emergency medical and other expenses 20 Section C- Hospital bene/f_it 21 Section C1 - Pet Care 22 Section D- Personal accident 22 Section E- Baggage 23 Section E1 - Gadget cover 23 Section E2 - Gadget cover extension 23 Section F- Personal money, passport and documents 27 Section G- Personal liability 28Section H- Delayed departure 28 Section I- Missed departure 29 Section J- Legal expenses and assistance 30 Section K- Hijacking 31 Section L- Mugging cover 31 Section M1 -Schedule Airline Failure Insurance 31 Section M2 - End Supplier Failure 32 Section N- Ski equipment 33 Section O- Ski equipment hire 34 Section P- Ski pack 34 Section Q - Piste closure 35 Section R- Avalanche or landslide cover 35 SectionS - Physiotherapy in the United Kingdom 35 Section T- Travel disruption cover 36 Section U- Golf cover 39 Section V - Wedding/Civil partnership cover 40 Section W- Cruise cover 41 Section X- Business travel 43 Making a complaint 44 CLAIMS NOTIFICATION To make a claim under all sections (except Gadget cover and Scheduled Airline Failure/End Supplier Failure) please contact: Cega Travel Claims, PO BOX 127, Chichester, West Sussex, PO18 8WQTel: +44 (0)1473 921 258 Online claims registration: www.coverforyou.com/claimonline (Scheme Code: A01301) To make a claim for Gadget Cover please contact: Claims Administrators, Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZTel: 0345 0744828Email: gadgetclaims@davies-group.comOnline claim portal - https://bastion.davies-group.com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact: IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff CE10 3DQ Tel: 0345 266 1872 Email: Insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp (a claim form maybe downloaded from this site) MAKING YOURSELF HEARD Any complaint you may have should in the /f_irst instance be addressed to the relevant helpline as outlined within the policy wording. If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the ‘Complaints procedure’ section. FINANCIAL SERVICES COMPENSATION SCHEME /parenleft.capFSCS/parenright.cap We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you . This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk) or call them on 020 7741 4100. CANCELLATION PERIOD You are free to cancel this policy at any time, If you wish to cancel within 14 days of receipt of the policy documents, you may do so by writing to us for a full refund providing you have not travelled and no claim has been made. If you cancel a Single Trip policy after the /f_irst 14 days of receipt of the documents, no premium refund will be made. If you cancel an Annual Multi-trip policy after the /f_irst 14 days of receipt (or after the renewal date ifa renewal policy) we will refund 6% (six percent) of the premium paid for each complete month still outstanding at the time of cancellation, so long as you are not away ona trip at the time of cancellation and no claim has been or will be made since the policy was issued.Useful InformationPage / 11 IDD Thursday 07 December, 2023 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 29 June, 2019 TRAVEL INSURANCE COVID-19 LETTER: 6791-MEY2B-RDQC5441 This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: 6791-MEY2B-RDQC5441 Insured Persons: Scott Read (18/07/23) Insured Address: Studio 22R Edwards heights Annetteberg , W5W 4LJ , United Kingdom Policy V alid: 2022-12-20 to Monday 20 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	6791-MEY2B-RDQC5441	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	Monday 20 February, 2023	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2022-12-20	(?<=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: THGHAGXL . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: THGHAGXL. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER THGHAGXL LEVEL OF COVER Silver DATE OF ISSUE 17 August, 2021 COVER PERIOD 29/12/2024 to 27/05/21 EXCESS* £0 ADDRESS 548 Brown fork East Holliechester HD53 8YZYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Ms Rosie Roberts Monday 06 November, 2023 DESTINATIONS COVERED Vanuatu OPTIONAL COVER ADDED Excess Waiver £3,733.39 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 2022-07-29 XIDD81. The Gibraltar Financial Services Commission (FSC) The Gibraltar FSC is the independent watchdog that regulates /f_i nancial services in Gibraltar. It requires us to give you this document. Please use this information to decide if our services are right for you. 2. Whose products do we off er? Sections A-E, F-L and N-X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312.This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting them on 0800 111 6768.Sections E1 and E2 of this policy is insured by Amtrust Europe Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189.Sections M1 and M2 of this policy is insured by International Passenger Protection Limited, authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 311958. 3. Which service will we provide you with? You will not receive advice ora recommendation from us. We may ask some questions so we can tailor the selection of products that we provide for you. You will then need to make your own decision about which product you choose. 4. Remuneration No fees are applicable to any policy, we are remunerated by way ofa com-mission paid by the underwriter and that remuneration is included in the insurance premium. 5. Who regulates us? Worldwide Internet Insurance Services Limited of Suite 4.1 Waterport Place, Europort Road, Gibraltar is authorised and regulated by the Financial Services Commission. Our FSC Permission Number is 5570. Our permitted business is Insurance Mediation activities. You can check this on the FSC’s Register by visiting the https://www.fsc.gi/regulated-entity/worldwide-internet-insurance-ser-vices-limited-5570 or by contacting the FSC on +350 200 40283. 6. Ownership We are neither owned directly or indirectly by an insurance company.7. What to do if you have a complaint If you wish to register a complaint, please contact us: In writing: CoverForYou Insurance Suite 5, Floor 3, Kings Court, London Road, Stevenage, SG1 2NG By phone: 0203 137 8981 If you cannot settle your complaint with us, you maybe entitled to refer it to the Gibraltar Financial Services CommissionPO Box 940Suite 3, Ground FloorAtlantic SuitesEuroport AvenueGibraltar If your complaint refers to a claim, you maybe able to refer to the UK Financial Ombudsman Service as detailed below. The Financial Ombudsman ServiceExchange TowerHarbour Exchange Square London E14 9SRTel: 0300 123 9123 or 0800 023 4567Fax: 020 7964 1001Email : complaint.info@/f_i nancial-ombudsman.org.ukWebsite: www./f_i nancial-ombudsman.org.uk 8. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You maybe entitled to compensation fromthe scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.Insurance advising and arranging is covered for 100% of the rst £2,000 and 90% of the remainder of the claim, without any upper limit.Further information about the compensation scheme arrangements is available from the FSCS. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.ABOUT OUR INSURANCE SERVICESWorldwide Internet Insurance Services Ltd Suite 4.1 Waterport Place,Europort Road, GibraltarPage / 1 A The information provided in this document isa summary of the key features and exclusions of the policy and does not form part of the contract between us. Complete pre- contract and contractual information about the product is provided in your policy documents. What is this type of Insurance? Travel Insurance will provide protection against losses typically suffered whilst on holiday. A single trip travel insurance policy will provide cover for one trip. What is insured? ü Who is covered You and/or any named person. ü Cancelling or cutting short a trip We will pay up to £2,000 per person for your unused and irrecoverable costs if you have to cancel or cut short your trip asa result of one ofa number of covered scenarios. ü Medical emergency and repatriation expenses Should you become unwell whilst ona trip, we will pay up to £15,000,000 for your hospital, ambulance and medical repatriation costs, including up to £500 for emergency dental treatment. ü Baggage We will cover you if your personal belongings are lost, damaged or stolen up to £1,000 per person, the following limits also apply: -Up to £150 for anyone article -Up to £150 for the total of all valuables. ü Personal money, passports and documents If your personal money is lost, damaged or stolen the following limits apply: -Up to £200 for personal money -Up to £150 for cash -Up to £25 for cash if under the age of 18 We will also pay your additional accommodation and transport costs, up to £100, to obtain a replacement passport if yours is lost, stolen or damaged. ü Gadgets Up to £500 in total for your electronic gadgets lost, stolen or damaged. Optional Cover - Subject to an additional premium being paid cover is available for Extended Gadget Cover *Please note this section of cover is underwritten by Inter Partner Assistance S.A., UK Branch which is part of the AXA Group. What is not insured? û Any claims arising from a sport or other activity which is not shown in the list of covered activities unless you have declared it to us and we have agreed to cover it. û Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip. û You drinking too much alcohol or alcohol abuse where itis reasonably foreseeable that such consumption could result in an impairment of your faculties or judgement resulting ina claim û Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider. û Any claim for regional quarantine. û Loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline. Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. Are there any restrictions on cover? ! You will need to pay an amount of each claim, known as the excess; this is £100 per person, per section, per incident, per trip. Unless mentioned otherwise in your documents or you have purchased the excess waiver. ! Children are only covered when travelling with the Policyholder ora responsible adult. ! This cover is only available to UK residents who are registered witha GP in the UK. ! You can only purchase this insurance before you travel. Travel Insurance Insurance Product Information Document Company: AXA Insurance UK plc is authorised by the Prudential Regulation Product: Cover For You, Silver Authority and regulated by the Financial Conduct Authority and the Prudential Single Trip Travel Insurance Regulation Authority with registered number 202312. Registered address 20 Gracechurch Street, London, EC3V 0BG, England. Where amI covered? This product provides cover to travel anywhere in the world providing: ü The countries or areas you intend to visit are listed in your policy documents; and ü The Foreign, Commonwealth & Development Office (FCDO) or other regulatory body are not advising against all travel; and ü If the Foreign, Commonwealth and Development Office (FCDO) or other regulatory body are advising against all but essential travel and your trip is not essential there is no cover for claims relating directly or indirectly to the reason the advice is in place. What are my obligations? When you purchase this insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. You must take reasonable steps to prevent loss, theft or damage to your property. You must not travel against the advice ofa medical practitioner or your public transport provider. You must not travel with the intention of receiving medical treatment. If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss. When and how doI pay? You can pay your premium asa one-off paymentPage / 2 when you purchase this insurance. When does the cover start and end? Cover in case you need to cancel your trip starts from the day you purchase a policy. The remaining cover starts when you start your trip and ends when you return to your home. How doI cancel the contract? You are free to cancel your policy at anytime by writing to us. If you wish to cancel within 14 days of receipt of your policy documents, you will receive a full refund providing: You have not made or intend to make a claim; and No incident has occurred which may mean that you need to make a claim; and You have not travelled. If you cancel a Single Trip policy after the first 14 days of receipt of the documents, no premium refund will be made. V11, 1/22 Scheduled Airline Failure Insurance Insurance Product Information Document Company: International Passenger Protection Ltd (regulated by the Financial Conduct Authority - Ref number: 311958) Product: Scheduled airline failure insurance Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule. What is this type of insurance? This insurance provides cover for losses suffered asa direct result of the financial failure ofa scheduled airline. Financial failure means the airline becoming insolvent or having an administrator appointed and being unable to provide agreed services. What is insured? Financial failure prior to departure Irrecoverable sums already paid by an insured person prior to the financial failure of any scheduled airline that does not form part of an inclusive holiday. Financial failure after departure The additional costs incurred by an insured person in replacing that part of any flight arrangements with transportion ofa similar standard to that enjoyed prior to curtailment, caused asa result of financial failure of any scheduled airline. The cost of return flights to the UK, Isle of Man and the Channel Islands bya similar standard, where the curtailment of the holiday is unavoidable asa result of financial failure of any scheduled airline. What is not insured? Scheduled flights not booked within the UK, Isle of Man and the Channel Islands or prior to departure. Financial failure where the prospect of such failure was widely known by the public or insured person prior to applying for this policy. Any loss covered under any other policy, guarantee or that is protected under s.75 Consumer Credit Actor bya card issuer. Financial failure of any travel agent , tour organiser, consolidator or booking agent. Any indirect losses, including being unable to reach any pre-booked accommodation or transportation. Are there any restrictions on cover? We will not pay more than the amount shown in the policy for each insured person. Where amI covered? Anywhere in the world, provided the flight was booked in the UK, Isle of Man and the Channel Islands. What are my obligations? You must notify us of any occurrence that is likely to give rise to a claim as soon as possible, using the details shown on thepolicy. You must also comply with all of the general conditions within your main travel insurance policy. When and how doI pay? Please see your main travel insurance policy for full details of when and howto pay. When does the cover start and end? Please see your main travel insurance policy for full details of when the policy starts and ends. Page / 1 17 August, 2021 TRAVEL INSURANCE COVID-19 LETTER: THGHAGXL This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: THGHAGXL Insured Persons: Ms Rosie Roberts (Monday 06 November, 2023) Insured Address: 548 Brown fork East Holliechester , HD53 8YZ , United Kingdom Policy V alid: 29/12/2024 to 27/05/21 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	THGHAGXL	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	27/05/21	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	29/12/2024	(?<=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: AKGIMGP-WJ.OV . We've sent you a text with your policy number. If you haven't received it, click here . to check the number you provided is correct We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981, or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader . Coronavirus Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here . to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy . Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here . for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://mandrillapp.com/track/click/30050776/ico.org.uk?p=eyJzIjoiaGlNN0kyUGdpSU5Rd1Y4TkRnaWFQamxXY25JIiwidiI6MSwicCI6IntcInVcIjozMDA1MDc3NixcInZcIjoxLFwidXJsXCI6XCJodHRwczpcXFwvXFxcL2ljby5vcmcudWtcXFwvbWFrZS1hLWNvbXBsYWludFxcXC9cIixcImlkXCI6XCJlNDFkMjRiMmM5MTc0MjY1OWY2NmYzODZmYWI2NzA0MFwiLFwidXJsX2lkc1wiOltcIjBmZmY1YmViNWNlODUwOGU5NDg5NDc2OTAxYTZkM2Y1MTE1ZjkzMGRcIl19In0 You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy . Your Travel Insurance Policy Documents YOUR TRAVEL INSURANCE POLICY CONFIRMATION FROM COVER FOR YOU. Thank you for purchasing a CoverForYou Insurance product from . www.coverforyou.com. YOUR POLICY NUMBER IS: AKGIMGP-WJ.OV. We've sent you a text with your policy number. If you haven't received it, click here to check the number you provided is correct . We've attached a copy of your policy documents for your convenience. If you have any queries or questions relating to the attachments, please contact us on 0203 137 8981 , or alternatively e-mail us at directsales@coverforyou.co.uk quoting the Policy Reference Number above. Please note that the attached documents are provided as Adobe PDF files, if you are unable to open them you may need to download a free copy of the software from get.adobe.com/reader Coronavirus. Our policies cover a wide range of Coronavirus (COVID-19) risks as standard, to understand what is covered and what is not to ensure this policy is suitable for your needs please click here to review our dedicated Coronavirus Cover page. We have attached a confirmation of COVID-19 cover to this e-mail if required by your destination country or travel provider. If you find that the policy is not suitable for any reason, we will refund the cost of the policy in full providing you return it to us within 14 days or prior to travel (if earlier). INTRODUCING TRAVEL MATE. CoverForYou Travel Mate is a free to use resource which allows access to all your current and historic policies and also includes membership of our CoverForYou Club and access to our Travel Mate website and app, which is available on both Android and iPhone devices. The App contains a range of helpful features including local emergency numbers, nearest hospital locations, medical translation tools, the latest FCDO guidance for your destination, your travel and insurance details, your medical information and other helpful tools such as our Jet Lag Sleep Calculator. The CoverForYou Club is an exclusive, free discount club that offers you savings of up to 20% on future travel insurance purchases direct from CoverForYou, as well as exclusive discounts on a range of services and products through our partners. Benefits with your CoverForYou policy. Important Information Please note circumstances known to you before you purchased this insurance which could reasonably have been expected to lead to a claim will not be covered. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information. Did you know? The intention of this policy is to cover the entire trip. For example: The policy will need to cover you from the date that you leave the UK until the date you return to the UK inclusive. Any trip that has already begun when you purchased this insurance will be not be covered. Finally, we hope that you have a fantastic and safe trip Yours Sincerely, The CoverForYou Support Team. This insurance is underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Information Commissioners Office has provided an Online Complaints Resolution Service for logging complaints, this service can be reached through https://ico.org.uk/make-a-complaint/ You are receiving this email as you have purchased an insurance policy through CoverForYou and in line with our Privacy Policy. Page / 1 YOUR POLICY SCHEDULE CERTIFICATE NUMBER AKGIMGP-WJ.OV LEVEL OF COVER Silver DATE OF ISSUE Mon 01 July, 2024 COVER PERIOD 2023-12-07 to 09/11/2025 EXCESS* £0 ADDRESS 348 Megan motorway Burkemouth E88 2JTYOUR TRAVEL INSURANCE DETAILS INSURED PERSONS DATE OF BIRTH 01.Miss Harriet Simpson 12/02/22 DESTINATIONS COVERED Sao Tome and Principe OPTIONAL COVER ADDED Excess Waiver £1,076.12 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 Thursday 22 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 Mon 01 July, 2024 TRAVEL INSURANCE COVID-19 LETTER: AKGIMGP-WJ.OV This letter confirms that your travel insurance policy includes £15,000,000 cover for Emergency Medical expenses if you contract Coronavirus (SARS-CoV -2) whilst abroad. This cover includes Emergency Medical and Repatriation Expenses, Funeral Expenses Abroad and the cost of returning your body or ashes to the United Kingdom. It also includes reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking if itis medically necessary for you to stay beyond your scheduled return date. Please see your policy wording for inner limits of cover . For more information on our Coronavirus cover please refer to our webpage: https://www .coverforyou.com/coronavirus_cover .php Policy Certificate Number: AKGIMGP-WJ.OV Insured Persons: Miss Harriet Simpson (12/02/22) Insured Address: 348 Megan motorway Burkemouth , E88 2JT , United Kingdom Policy V alid: 2023-12-07 to 09/11/2025 Valid forT ravel to: All countries worldwide, excluding the United States, Canada, Mexico and the Caribbean. Please note if you travel against Foreign, Commonwealth & Development Office (FCDO) advice or against the advice of the regulatory authorities of the country that you are due to be travelling to then cover under this policy maybe reduced, for more information see https://www .coverforyou.com/fcdo_advice.php IMPORTANT The confirmation of cover outlined above provides a basic overview of the cover provided under your policy for you becoming ill with Coronavirus whilst abroad and should be read in conjunction with your certificate of insurance. This confirmation is subject to the full terms and conditions of your policy which are found within your policy wording. You must ensure you have provided us accurate information at the point of purchase and ensure that you abide by the terms and conditions of your policy during the term of insurance. Failure to do so may result in any claims being reduced or refused. Yours Sincerely , The CoverForY ou Support Tea	AKGIMGP-WJ.OV	(?<=YOUR POLICY NUMBER IS:\* \)[-\w_\/\.]+?(?=\)	09/11/2025	(?<=to )[-\w_\/\. ,]+?(?= EXCESS)	2023-12-07	(?<=COVER PERIOD )[-\w_\/\. ,]+?(?= to)	Travel	(?<=Your )[-\w_\/\. ]+?(?= Insurance Policy Documents)	2024-02-02

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