|
PREMIUMS
| Up
to 10 days |
£18.68
per person |
| Up
to 17 days |
£22.32
per person |
The adult
premiums quoted are for persons aged between 18 and 64 years
and are inclusive of Insurance Premium Tax (IPT) at 17.5%.
Policy Summary
This page shows the key facts that we bring to your attention
in relation to Extrasure Travel Insurance. They are not the
full terms and conditions. These are detailed in full in the
insurance booklet. This summary does not form part of your
contract of insurance.
The Insurers
This policy is underwritten 100% by White Horse Insurance
Ireland Ltd and administered by Bennett Gould & Partners
Limited.
The main points about Extrasure Travel Insurance
This is single trip travel insurance. One single premium is
payable. It is designed to cover you and those included on
your policy for various benefits, including Personal Accident
& Legal Expenses, Medical & Repatriation Expenses,
Hospital Benefit, Delayed Baggage, Personal Liability, Personal
Effects and Personal Money, Cancellation, Curtailment, Travel
Delay and Missed Departure. The full benefit of the cover
can be found in the policy wording on the Extrasure website
www.extrasure.co.uk.
What Extrasure Travel Insurance doesn’t cover
Like all polices of this type there are some things that Extrasure
Travel Insurance does not cover. Importantly, these include:
- Any
pre-exiting medical condition not disclosed to the insurer
or medical screening line.
- Any
excess as shown on the Schedule of Cover.
- If
you are travelling against the advice of a medical practitioner
or for the purpose of obtaining medical treatment; or are
on a hospital waiting list or awaiting the results of medical
investigations; or have received a terminal prognosis at
the date of application; or suffering from psychological
and/or mental disorder, anxiety, stress or depression.
- Any
claims arising which are directly or indirectly caused by,
occasioned by, resulting from or in connection with an act
of terrorism regardless of any other cause or event contributing
concurrently or in any other sequence to the claim.
- Cancellation
as a result of scheduled airline failure.
- Pregnancy
where birth is expected within 10 weeks of the booked return
date.
- From
the tour operator, airline or any other company, firm or
person either becoming insolvent or being unable or unwilling
to fulfil any part of their obligation.
- From
any hazardous activity including but not limited to all
winter sports (except where an appropriate premium has been
paid).
All the policy exclusions are explained in full in the policy
wording.
Time
to reconsider after you take out the insurance certificate,
(“Cooling-off period”)
If, having applied for Extrasure Travel Insurance, you decide
that you do not want the insurance after all, simply write
to Bennett Gould & Partners Limited within 14 days of
conclusion and all cover will be cancelled and any premiums
paid will be refunded to you. If you do not exercise your
right to cancel within the cooling-off period, the contract
will remain in force and all premium will be payable in accordance
with the terms of the certificate.
How long does cover last
Depending on the policy chosen cover can last from 1 day up
to 31 days for a single trip. Full details of the length of
cover are provided in policy wording. We recommend that you
review your personal circumstances to make sure this insurance
is suitable for you.
|
 |
| Cover |
Up
to |
Excess |
| Cancellation
and Curtailment |
£5,000 |
£50 |
| Emergency
Medical Expenses and Repatriation |
£5,000,000 |
£50 |
| Hospital
Benefit |
£1,000 |
NIL |
| Personal
Effects |
£2,000 |
£50 |
| Single
item pair or set |
£200 |
£50 |
| Valuables |
£200 |
£50 |
| Golf
Clothing |
£200 |
£50 |
| Travel
Documents |
£250 |
£50 |
| Baggage
Delay |
£100 |
NIL |
| Personal
Money |
£500 |
£50 |
| Travel
Delay |
£100 |
NIL |
| Abandonment |
£4,000 |
£50 |
| Missed
Departure |
£750 |
£50 |
| Personal
Accident |
£25,000 |
NIL |
| Personal
Liability |
£2,000,000 |
NIL |
| Legal
Expenses |
£25,000 |
£300 |
| Catastrophe |
£750 |
£50 |
| Overseas
Credit Card Fraud |
£1,000 |
£50 |
| Rental
Vehicle Return |
£250 |
£50
|
| Petcare |
£750 |
24
hours |
| Search
and Resue |
£1,000 |
£100 |
| Airline
Seat Bumping |
£500 |
NIL |
| Hi-jack |
£5,000 |
NIL |
| Business
Equipment Cover |
£1,000 |
£50 |
How
to claim
If you need to make a claim simply ring the Claims Administrators
(Strategic Claims Management) on 0845 223 5564. Further details
about claiming can be found in the policy wording.
For 24-hour emergency medical assistance, please telephone
AXA Assistance on 0845 223 5563, quoting reference WHIIL/EXTSUR/07/2005.
This is a 24-hour line.
When contacting the claims handler you will need the following
information to hand; Name of your policy and where it was
purchased, Policy/Certificate number, Resort and Country Visited,
Value of the claim, Brief circumstances, Travel date and Incident
date. Failure to have the above information at hand may result
in your claim being delayed.
Complaints
If you wish to make a complaint about any aspect regarding
the sale or servicing of this insurance you should contact
Bennett Gould & Partners Limited, Unit 1 Manor Park Business
Centre, Mackenzie Way, Cheltenham, GL51 9TX. Tel 0870 850
6090 Fax: 01242 528300. If you wish to make a complaint about
a claim please write to: Strategic Claims Management at PO
Box 36400, London, EC3N 1ZQ. The insurers have internal complaints
handling procedures that are available on request. In the
event that you remain dissatisfied you can write to The General
Manager, Whitehorse Insurance Ireland Ltd, 14 Clyde Road,
Ballsbridge, Dublin4, The Republic of Ireland.
This complaints procedure is without prejudice to your right
to take legal proceedings.
Compensation
White Horse Insurance Ireland Limited is covered by the Irish
Insurance Compensation Fund. You may be entitled to compensation
from the fund if White Horse Insurance Ireland Limited cannot
meet their obligations. The Irish Insurance Compensation Fund
provides funds for liquidators so that they may pay the valid
claims of insolvent insurers. You can get more information
about compensation fund arrangements from the Irish Financial
Services Regulatory Authority.
|
