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Travel InsuranceTRAVEL INSURANCE

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International Sport & Leisure are an Introducer Appointed Representative of Global Travel Insurance Services Ltd who are authorised and regulated by the Financial Conduct Authority (FCA). We are happy to offer to you the following insurance which is underwritten by ETI International Travel Protection (ETI) the UK branch of Europäische Reiseversicherung A.G. Munich, ERGO group Company who are approved by the Financial Conduct Authority to undertake insurance business in the UK.

This insurance has been specifically designed so that it covers all of the holidays that we feature, protecting you in full if you have to cancel and providing you with the very best and most effective protection if you are unfortunate enough to require medical attention whilst away from home.

Don’t take unnecessary risks by insuring your travel anywhere else as we cannot accept any responsibility or provide assistance if problems arise as a result of inadequate cover. We are confident that this policy is best for you. This insurance is only available to persons who are permanently resident and domiciled in the UK and is valid for departures up to 31/12/2017.

INSURANCE PRODUCT SUITABLITY
This insurance is suitable for persons whose Demands and Needs are those of a traveller whose Individual round trip starts and finishes in the UK and is of no more than 31 days duration, and whose age is 90 years or less and is a permanent resident of the United Kingdom.

As this description contains the Key Features of the cover provided it constitutes provision of a statement of demands and needs.

SUMMARY OF COVER
Main policy limits only, please see the policy document for other limits that may apply

Section Limit Section Limit
Cancellation or Curtailment £3,000 Loss of Passport £200
Personal Accident £15,000 Travel Delay £60 or (b) £3,000
Medical & Other Expenses £5,000,000 Missed Departure £500
Hospital Benefit £300 Personal Liability £2,000,000
Personal Luggage Money & Valuables £2,000 Legal Expenses £25,000

POLICY EXCESSES:
Cancellation or Curtailment
The first £50 of each and every claim per Insured Person claimed for under this Section is excluded, increased to £100 where You are aged 66 to 75 years and to £150 where You are aged 76 to 90 years (other than in respect of claims for loss of deposit where the excess is £25).
 
Medical and Other Expenses
The first £75 of each and every claim per Insured Person claimed for under this Section is excluded.
Where You are aged 66 to 75 years the first £150 of each and every claim per Insured Person claimed for under this Section is excluded.
Where You are aged 76 to 90 years the first £300 of each and every claim per Insured Person claimed for under this Section is excluded.
 
Other Sections
An excess of £50 applies to each and every claim each insured person under the Personal Luggage Money & Valuables and Delayed Departure (b) sections, and £250 under the Personal Liability section.
 
Increased Excess for Pre Existing Medical Conditions
This insurance contains Health Conditions so you should inform The Medical Screening Department of any medical conditions that may affect the Underwriters acceptance of your cover. Please therefore telephone The Medical Screening Department on the following number to inform them if anyone to be covered by this policy or any person upon whose health the Employment depends:

(a) Has an existing or on-going medical condition
(b) Is taking any prescribed medication
(c) Has or has had any condition still requiring periodic review
(d) Is awaiting any tests, treatment, investigation, referral or results of these.
Failure to notify them may cause your circumstances to fall within a policy exclusion.

Telephone the MEDICAL SCREENING Line 0844 892 1698

If Your health changes after the date of issue of Your policy You must contact Us to make sure that Your cover is not affected

EMERGENCY ASSISTANCE:
There is a 24-hour emergency assistance service included in the policy so that any insured person may seek assistance in medical emergencies whilst on holiday. Full details are contained in the policy document.

MAIN HEALTH EXCLUSIONS:
We will not pay for claims arising directly or indirectly from the following circumstances existing on the date of applying for this insurance:
(a) Where You (or any person upon whose health the Trip depends) are undergoing tests for the presence of a medical condition receiving or on a waiting list for or have knowledge of the need for treatment at a hospital or nursing home.
(b) From any terminal illness suffered by You (or any person upon whose health the Trip depends).
(c) From any medical condition for which You (or any person upon whose health the Trip depends) have within 12 months prior to the date of issue of this insurance been diagnosed or have been admitted to or undergone a procedure/ intervention in a hospital.
(d) From any reoccurrence of any psychiatric disorder, anxiety state and/or depression suffered by You (or any person upon whose health the Trip depends)
(e) Where You are travelling against the advice of a Medical Practitioner.
(f) Where You have failed to contact the medical screening line if required to do so.

INSURANCE PRODUCT DISCLOSURE
Cancellation Rights
The Insurer provides a Money Back Guarantee enabling you to cancel the insurance within 14 days of issue should the policy not meet your requirements. No refund of premium is provided for cancellations after this time.
Claims
Claims are handled by Towergate Chase Parkinson who act on behalf of the Insurers and not the customer in relation to any claim. The telephone number is 0844 892 1697.
General Queries
If you have any query regarding the cover provided you must contact Global Travel Insurance on 01903 235042 for advice.
Applicable Law
The law applicable to this insurance contract is English Law.

Complaints
If you wish to register a complaint about our service please contact us in writing at the above address. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.
Financial Security
These insurance arrangements are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our financial obligations although this depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered up to 90% of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS

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SOUTH
ISL
Unit 42,
Brambles Enterprise Centre,
Waterberry Drive, Waterlooville
Hants PO7 7TH
Tel: 02392 230 023
Email Stuart

NORTH
Malcolm Ward
19 Harvey Street
Bolton
BL1 8BH
Tel: 01204 465058
Email Malc
 

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