Insurance Terms and Conditions
This policy has been arranged by Topflight through KMT Travel Insurance, and is only valid when accompanied by an Insurance Certificate/Receipt showing payment of KMT insurance premium, insured persons and type of cover. Complaints Procedure The Mananging Director, KMT Travel Insurance, 90 Ranelagh Road, Dublin 6, Telephone: 01 4968853 If you are still unhappy with any issue connected with the handling of your insurance policy or claim then you should direct your enquiry to the Compliance Officer of Great Lakes Reinsurance (UK) PLC, Plantation Place, 30 Fenchurch Street, London EC3M 3AJ. Tel: 020 3003 70000 Fax: 020 3003 7010 If in the event of contacting Great Lakes Reinsurance (UK) PLC you are still dissatisfied then you may be able to refer to The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. AREA 1 The United Kingdom, Channel Islands, Isle of Man and the Republic of Ireland OPENING HOURS-Monday to Friday 9am-5pm, Saturday 9am-2pm POLICY DOCUMENT DANGEROUS SPORTS OR PASTIMES PROPERTY CLAIMS PERSONAL LIABILITY POLICY LIMITS REASONABLE CARE / UNATTENDED PROPERTY GOVERNING LAW The following activities are not included; Please note: Diving Equipment is not covered under this policy.* Your attention is drawn to the exclusions relating to Section J - Personal Liability and their importance to some of the above activities and their associated mechanised vehicles. CEGA Medical 24 HR MEDICAL ASSISTANCE Tel. ++44 1243 621 186 When you call CEGA Medical Assistance Ltd please have the following information ready: IMPORTANT NOTE: Policy Contract Periods Period of Insurance - Annual Multi-trip only The Period of Insurance will be extended day by day up to a maximum of 30 days when the return is necessarily delayed as a result of the ill health of the Insured or failure of public transport provided that CEGA Medical Assistance Services has been notified. Cover extends to each and every Period of Insurance up to the maximum duration stated on the Certificate for any one trip.Wintersports (subject to additional premium being paid) limited to 21 days per policy per year. Policy Definitions Accident Cash Currency notes and coins. Common-Law Partner Golf Equipment Home Incidental Basis Insured Loss of Sight Loss of Limb(s) Permanent Total Disablement Pre-existing Medical Condition The Insurance PROVIDED always that; SECTION A1 - CANCELLATION & CURTAILMENT CHARGES What You Are Covered For: ◆ Cancellation Reasons for Cancellation and Curtailment: What You Are Not Covered For: Curtailment must be authorised by CEGA Medical Assistance Ltd, following confirmation from the treating doctor that IT IS MEDICALLY NECESSARY THAT THE INSURED CURTAILS THEIR TRIP. SECTION A2 - HOTEL SERVICES FAILURE What You Are Not Covered For: What You Are Covered For: 3 Home Physiotherapy SPECIAL NOTE: SECTION D - PERSONAL EFFECTS AND BAGGAGE - Travel Documents - Baggage Delay What You Are Not Covered For: What You Are Not Covered For: SECTION E1 - OVERSEAS CREDIT CARD FRAUD We will pay for your financial loss up to the amount shown on the Schedule of Benefits, suffered solely as a result of any credit or cash card for which you are responsible being stolen or lost and/or fraudulently used outside your normal country of residence by any person other than you or a family member or person travelling with you. 1. Travel Delay 2. Abandonment What You Are Not Covered For: What You Are Not Covered For: What You Are Not Covered For: What You Are Not Covered For: SECTION K - LEGAL EXPENSES What You Are Not Covered For: SECTION L - CATASTROPHE SECTION M - HOMECARE SECTION O - SKI HIRE What You Are Covered For: What You Are Not Covered For: The Insurer shall not be responsible for What You Are Covered For: What You Are Covered For: What You Are Covered For What You Are Covered For What You Are Not Covered For SECTION V - BUSINESS COVER SUBJECT TO ADDITIONAL PREMIUM BEING PAID The Insurer will pay the amount shown on the Schedule of Benefits for each Person- Insured named on the Policy Schedule for: CONDITIONS APPLICABLE TO ALL SECTIONS OF THE INSURANCE 1. All material facts must be disclosed to the Insurer at the time of taking out this Insurance. Failure to do so may result in the Insurer’s non-liability for claims. A material fact is any fact known to the Insured which is likely to influence the Insurer in the acceptance or assessment of the insurance. If you are in any doubt as to whether a fact is ‘material’ then for your own protection it should be disclosed. All information provided in purchasing this insurance shall form the basis of the contract. The Insured should keep a record (including copies of letters) of all information provided to the Issuing Agent for the purpose of entering into this contract. MAKING A CLAIM For all Sections When you receive your claim form it will request certain documents These documents are required in the event of a claim. IMPORTANT POINTS TO NOTE ABOUT KMT TRAVEL INSURANCE* HEALTH CHECK – PRE-EXISTING ILLNESS If you or any person (relative etc.) whose ill health would force you to cancel or cut short your trip have in the eighteen months prior to taking out this insurance, suffered from or received any form of medical advice, treatment or medication for PREGNANCY CANCELLATION POLICE REPORT CLAIMS www.osgtravelclaims.ie * The above information is a guide only, for full list of conditions and exclusions please refer to the policy document
Please bring your European Health Insurance Card when traveling to Europe.
Healthcheck conditions apply, please read below.
This policy has been arranged by KMT Travel Insurance Services, 90 Ranelagh Road, Dublin 6.
This evidence of insurance is to confirm that those persons who have paid the appropriate premium are insured under Master Policy Number AXKMTTOP08 issued to KMT Travel Insurance Services. This document only constitutes a valid evidence of insurance when it is issued in conjunction with a validation certificate/invoice issued between 01.04.2009 and 31.03.2010 for holidays or journeys commencing up to 31.12.2010. Underwriter: Great Lakes Reinsurance (UK) PLC.
We aim to provide all our customers with a first class standard of service. However there may be occasions when you feel that this objective has not been achieved. Any enquiry or complaint that you may have should in the first instance be addressed to:
Tel: 0845 080 1800. Further information is available from them.
Additional information if you are a consumer
Cancellation of this policy
You may cancel the policy within 14 days of the conclusion of the contract or the day on which you receive the policy document, although we reserve our rights on refunding any premium if you have made a claim on this policy. To exercise your right to cancel, contact the Broker who arranged this cover for you.
Compensation
Great Lakes Reinsurance (UK) PLC is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme in the unlikely event that it cannot meet its obligations. The FSCS will meet the first Û2,540 of your claim in full plus 90% of the balance without any upper limit.
Further details can be obtained from www.fscs.org.ukTerritorial Limits
The United Kingdom, Channel Islands, Isle of Man and the Republic of Ireland
AREA 2 The Continent of Europe west of the Ural Mountains, Madeira, Canary Islands,
The Continent of Europe west of the Ural Mountains, Madeira, Canary Islands, Iceland, the Azores, Mediterranean Islands and non-European countries bordering the Mediterranean (except Algeria, Lebanon and Libya )
AREA 3 Worldwide (excluding USA and Canada )
Worldwide (excluding USA and Canada )
AREA 4 USA and Canada
USA and Canada
1. If you or if you are aware of any person whose ill health would force you to cancel or cut short your trip have, in the eighteen months prior to taking out this insurance, suffered from or received any form of medical advice, treatment or medication for1. a Heart or Circulatory related condition (e.g Hypertension, Angina, Stroke etc....)
2. a Lung or Breathing related condition other than well controlled, mild Asthma, suffered in isolation
3. any form of Cancer you must contact Health Check where our medical co-ordinators will tell you if the condition can be covered and how much it will cost to do so. If you do not contact Health Check, claims arising directly or indirectly from the medical condition will not be covered. N.B.
Healthcheck are unable to extend cover for claims arising directly or indirectly from anxiety, stress, depression, please refer to exclusions applicabe to all sections of this insurance page 21.
What will happen when you call Health CheckOur trained operators will ask you a few simple questions about your intended holiday and the medical condition. You will be advised as to whether the Pre-existing Medical Condition can be covered, whether there will be an additional premium to pay or any changes to the policy terms and conditions. This quotation is valid for 14 days from the date given.
If cover can be provided, you will be given an acceptance code and a letter will be sent to you upon receipt of payment, detailing the extension of cover. Please read this letter carefully and keep it with your insurance documents as it confirms the terms of the cover.
Please note that cover is not effective until you are in receipt of this letter.
What will happen if you do not contact Health Check.
If you do not contact Health Check you will not be covered in the event of a claim arising out of your Pre-existing Medical Condition.
Please Note:
OSG cannot offer cover in the following circumstances:
• If the Insured is travelling against the advice of a medical practitioner.
• If the Insured is travelling for the purpose of obtaining medical treatment.
• If the Insured is on a hospital waiting list or awaiting the results of medical tests or investigations.
The insurer hereby draws your attention to some important features of your travel insurance policy. If you would like more information, please contact the Issuing Agent, particulary if you feel the insurance may not meet your needs.
You should read this document carefully. It gives you full details of what is and is not covered and the conditions of the cover. Cover will vary from policy to policy and Insurer to Insurer.
CONDITIONS, EXCLUSIONS AND WARRANTIES
Conditions and exclusions will apply to individual sections of your policy while general exclusions and conditions will apply to the whole of your policy. It is a condition of this policy that all material facts must be disclosed to the Insurer at the time of taking out this insurance.
Failure to do so may result in the Insurer’non-liability for claims.
You are only covered under the policy for claims arising from certain Hazardous Activities. If you require cover for activities not listed on page 7 of this booklet please contact your travel agent
These claims are paid based on the value of the goods at the time you lose them and not on a ‘new for old’ or replacement cost basis. An allowance for wear, tear and depreciation will be deducted.
Certain items of personal property are not covered.
There is no cover for Personal Liability claims arising directly or indirectly from, happening through or in consequence of ownership, possession or use of any vehicle, automobile, aircraft, watercraft or any mechanically propelled conveyance.
All sections of your policy have limits on the amount the Insurer will pay under that section. There are also specific limits under the Personal Effects and Baggage section for: any Single Item; Valuables, items for which an original receipt, proof of purchase or an insurance valuation is not supplied; loss, theft or damage occurring on a beach or in or around a swimming pool.
POLICY EXCESSES
Under most sections of the policy, claims will be subject to an Excess. This means that you will be responsible for the first part of the claim. The amount you have to pay is the Excess.
You must exercise reasonable care to prevent illness, injury or loss or damage to your property, as if uninsured. There is no cover for property left unattended in a place to which the general public has access.
There is no cover for loss of money which was not carried on the Insured’s person unless placed in a safety deposit box or similar locked, fixed receptacle.
COMPLAINTS PROCEDURE
If you have any cause for complaint regarding this insurance, please refer to the relevant section of this document for the complaints procedure to follow.
Your policy is governed by Irish or UK Law, unless you and the Insurer have agreed otherwise.
You are covered under the Personal Accident and Medical Expenses Sections for the following activities automatically, provided that the activity is on an Incidental Basis (as defined in page 10)and you do not need to contact your travel agent and you do not need to contact your travel agent.
● Archery (amateur)
● badminton (amateur)
● baseball (amateur)
● basketball (amateur)
● beach games
● black water rafting (Grade 1 to 4)
● bungee jumping (up to 3 jumps)
● canoeing (other than as specified below)
● clay pigeon shooting
● cricket (amateur)
● cycling (other than specified below)
● dinghy sailing
● fell walking
● fencing
● fishing
● football (amateur)
● golf (amateur)
● hiking (under 2,000 meters altitude)
● horse riding (up to 7 days) (other than as specified below)
● hot air ballooning which has been organised in Ireland or the UK prior to departure)
● jet boating
● jet ski-ing
● jogging
● marathon running (amateur)
● motorcycling up to 50cc
● netball (amateur)
● orienteering
● outwardbound pursuits
● paintballing
● parascending (over water)
● pony trekking
● racquetball
● rambling
● river canoeing(other than as specified below)
● roller skating
● roller blading
● rounders
● rowing
● running-sprint/long distance (amateur)
● safari (Ireland/UK organised)
● sail boarding
● sailing within territorial waters
● scuba diving up to 30 metres if adequately supervised,(other than as specified below)
● skate boarding
● snorkelling
● squash (amateur)
● surfing (amateur, under 14 days)
● tennis (amateur)
● tour operator safari
● track events
● trekking (under 2,000 metres altitude)
● triathlon
● volleyball (amateur)
● war games
● water polo (amateur)
● water ski-ing (amateur)
● white water rafting (Grade 1 to 4)
● windsurfing (amateur)
● work abroad (other than as specified below)
● yachting (racing/crewing inside territorial waters)
White water canoeing, bmx or mountain biking, horse jumping, hunting on horseback, polo on horseback, racing, scuba diving within 24 hours prior to departure, manual work abroad, use of machinery.NO other Hazardous activities are covered by this insurance unless declared to and agreed in writing by insurers
You are not covered for non - incidental participation in the above or any other Hazardous Activities. However, by contacting your travel agent and declaring these activities, in most . However, by contacting your travel agent and declaring these activities, in most circumstances, your policy can be extended to cover you fully.
There may be amendments in policy conditions and/or an additional premium to pay.
You MUST contact CEGA Medical Assistance Ltd as soon as possible in the event of an Insured dying, incurring medical expenses in excess of €500, being involved in an accident, being admitted to hospital, or curtailing for medical reasons.
Any minor illness or injury costs resulting in a claim should be paid by the Insured, a receipt obtained and the amount reclaimed from the Loss Adjuster within 31 days of the event.Tel: ++ 44 1243 621 186
Lines open: 24 hours a day - every day of the year
1. Insured's full name, home address and telephone number
2. Date of birth
3. Caller's contact number
4. Certificate / policy number, date of issue and Issuing agent
5. Hospital abroad and treating doctor's telephone number
6. Insured's Doctor
7. Holiday dates / Flight numbers
8. Health check Code (if appropriate)CEGA Medical Assistance Ltd should only be contacted in a medical emergency.
Please do not obstruct CEGA Medical Assistance Ltd telephone lines with nonessential calls.
If you are covered under any Private health insurance - VHI, BUPA Ireland, etc., CEGA Medical Assistance Ltd must be notified as should the relevant private medical insurance assistance company.
Contract Period - Single Trip
A single return trip, as defined in the Period of Insurance, beginning and ending in the Republic of Ireland or United Kingdom.
Contract Period - One way Trip
A single outward trip, as defined in the Period of Insurance, beginning in the Republic of Ireland or United Kingdom. The Period of Insurance shall expire normally or in any event no later than 24 hours after the time the Insured first leaves the immigration control of their final destination country.
Contract Period - Annual Multi-Trip
Any number of return trips as defined subject to the following:
● a maximum duration of 40 days any one trip (unless additional premium has been paid to increase any one trip to 60 days)
● cover for overnight trips within the Republic of Ireland, United Kingdom, Channel Islands and Isle of Man only applies when accommodation is prebooked and the intended destination is over 100 miles from the Insured's usual residential address
● Wintersports (subject to additional premium being paid)cover is limited to 21 days per policy per year (maximum age 65years)
Period of Insurance - Single Trip
Under Section A1 (for Cancellation)insurance is effective from the Date of Issue of the Certificate and terminates on commencement of the trip. In respect of all other sections, insurance commences when the Insured leaves his Home or business in the Republic of Ireland or United Kingdom (whichever is the later) to commence the trip described in the territorial limits and shall cease with whichever occurs first of the following:
1. The expiry of the Policy Period as shown on the Certificate;
2. The return of the Insured to hisHome as planned, at the end of a trip; as planned, at the end of a trip;
3. The first return of the Insured to the Republic of Ireland or United Kingdom prior to the planned return at the end of a trip.
The Period of Insurance will be extended day by day up to a maximum of 30 days after the expiry of the period stated on theCertificate when the return is necessarily when the return is necessarily delayed as a result of the ill health of theInsured or failure of public transport or failure of public transport provided that CEGA Medical Assistance Services has been notified.
In respect of one way trips only, the Period of Insurance shall cease whichever occurs first of the following: the expiry of the Policy Period or 24 hours after the time theInsured first leaves the immigration first leaves the immigration control of their final destination country.
Under Section A (for Cancellation)insurance is effective from the later of either the Date of Issue of the Certificate or the time at which a trip is booked and terminates with whichever occurs first of the following:
1. The commencement of the trip; or
2. The expiry of the Policy Period (being the expiry of 365 days from the date of issue)
In respect of all other sections, insurance commences when the Insured leaves his Home or business in the Republic or business in the Republic of Ireland or United Kingdom (whichever is the later)to commence the trip described in the territorial limits and shall cease with whichever occurs first of the following:
1 The expiry of the Policy Period (being the expiry of 365 days from the date of issue)
2 The return of the Insured to hisHome as planned, at the end of the as planned, at the end of the trip
3 The first return of the Insured to the Republic of Ireland or United Kingdom prior to the planned return at the end of the trip
4 The Insured's period of travel exceeding the period stated on theCertificate. (If the Insured's period of. (If the period of travel exceeds or was intended to exceed 40 days, then the entire period of travel, including the first 40 days on the Certificate, will not be covered hereunder)
Wherever the following words or phrases appear within this policy they will always have the same meaning and will appear in bold.
A sudden, unexpected, unusual, specific, violent, external event which occurs at a single identifiable time and place and independently of all other causes, results directly, mmediately and solely in physical bodily injury which results in a Loss. In no event shall the contracting of any disease and/or illness (including, but not limited to heart attack, stroke or cancer)nor the injection or ingestion of any substance, be considered an Accident. An event which directly or indirectly exacerbates a previously existing physical bodily injury shall not be considered an Accident.
Currency notes and coins.
Certificate/Policy/EvidenceAn Insurance Validation Certificate or Booking Invoice used by the Issuing Agent to validate and activate this insurance wording. Wherever the word policy, or‘evidence’is shown this shall be deemed to read Certificate.
Close Business Associate
Any person whose absence from business for one or more complete days at the same time as the Insured's absence prevents the effective continuation of that business.
Any couple (including same sex)in a commonlaw relationship or who have co-habited for at least 6 months.
Excess
Where applicable, the excess is the first amount of each claim for each separate incident payable for each Insured. Excess amounts are shown in the Schedule of Cover and Excesses.
Golf clubs, golf bags, nonmotorised Golf clubs, golf bags, nonmotorised trolleys and golf shoes.
Hazardous Activity
An activity where it is recognised there is an increased risk of injury or can be reasonably expected to exacerbate an existing medical condition. (If you are in any doubt, please contact your travel agent with full details of the activity)
The Insured's place of residence in the The Insured's place of residence in the Republic of Ireland or United Kingdom.
The Insured's participation in a Hazardous Activity on a casual, fortuitous, occasional or minor basis. Sports tours and/or activity holidays would be considered to include participation in Hazardous Activities on a non-incidental basis.
Any Insured person who is included on the policy having paid the appropriate premium. The term‘his’shall be held to mean‘her’where appropriate.
The complete and irrecoverable loss of the complete and irrecoverable loss of the sight of one or both eyes.
Loss by physical severance of a hand at or above the wrist or a foot at or above the ankle.
Disablement which, from the moment of Accident, entirely prevents the Insured from attending to any business or occupation of any and every kind and which lasts 12 calendar months and at the expiry of that period is, in the opinion of the Underwriter's Medical Advisors, beyond expectation of improvement.
Any of the following conditions which has been suffered or for which medical advice, treatment or medication has been received within eighteen months prior to the Date of Issue of this insurance:
any Heart/Circulatory conditions (ie Hypertension, Angina, Stroke, Heart Attack etc)
any Lung/Breathing conditions other than mild, well controlled Asthma suffered on its own; any Cancerous conditions.
Public Transport
The use of train, bus, coach or ferry services, or scheduled flights, running to a published timetable to join the booked travel itinerary.
Relative
Spouse, parent, parent-in-law, step-parent, son, son-in-law, daughter, daughter-in-law, grandparents, grandchild, brother, brother-in-law, sister, sister-in-law, fiance(e)or Common-Law Partner.
Single Item
Any one article, pair, set or collection under the Personal Effects and Baggage and Ski Equipment Sections.
Ski Equipment
Skis, ski sticks, ski bindings, ski boots, snowboard, snowboard bindings and snowboard boots.
Sports Equipment
Those items which are usually worn, carried or held during the participation in a sporting activity.
Valuables
Photographic equipment, audio, video, telecommunication equipment(excluding mobile phones), telescopes and binoculars, jewellery, watches, fur, silks, leather goods, animal skins, precious or semi precious stones and articles made of or containing gold, silver or other precious metals curios, works of art, Navigation equipment and Games consoles and their equipment.
Wintersports
Skiing, off-piste skiing (except in areas designated as unsafe by resort management)snowboarding, recreational racing, mono ski-ing, guided cross country skiing, snow obiling, tobogganing and ice skating.
The Insurer hereby agrees to the extent and in the manner hereinafter provided, to ndemnify the Insured against loss or damage sustained or legal liability for accidents happening during the period stated in the Schedule, after such loss, damage or liability are proved.
the liability of the Insurer shall not exceed the limits of liability as expressed in the attached terms and conditions or such other limits of liability as may be substituted therefor by memorandum hereon or attached hereto signed on behalf of the Insurer.
If the Insured's trip is cancelled or curtailed due to any one of the reasons listed below occurring to the Insured, or his travelling companion and his travelling companion cancels or curtails his trip, during the Period of Insurance, the Insurer will indemnify the Insured up to the amount shown in the Schedule of Benefits:
for travel and accommodation expenses paid or contracted to be paid by theInsured in respect of his own trip (prior to in respect of his own trip (prior to any occurrence giving rise to a claim under this section)which are not recoverable.
◆ Curtailment
for travel expenses to the Insured's Home and pro-rata amount of the total pre-paid or contracted cost for each complete day of the trip which is foregone and which are not recoverable (excluding pre-paid or contracted costs for transportation to return Home and used travel ticket costs)
(a) death, serious injury or serious illness, occurring during the Period of Insurance, of an Insured, the Insured's travelling companion, a Relative orClose Business Associate of the of the Insured or his travelling companion, or or his travelling companion, or the person with whom the Insured has arranged to stay whilst on the trip
(b) jury service, witness call or compulsory quarantine
(c) accident to their vehicle within 7 days prior to intended date of departure(applicable to self-drive holidays only)
(d) the posting overseas or emergency and unavoidable requirements of duty in the Armed Forces, Police, Fire, Nursing or Ambulance Services
(e) redundancy notified during the Period of Insurance which qualifies for payment under the Redundancy Payments Act
(f) fire, flood or burglary at Home occurring or becoming apparent within 5 days prior to the commencement of the journey or holiday
(g) presence being required by the police following burglary at Home
(h) pregnancy where birth is expected before or within eight weeks of the booked return date or complications of pregnancy occurring prior to the thirty second week if there have not been complications in any previous pregnancy.
The Insurer shall not be responsible for
1. the Excess as shown in the Schedule of Benefits and Excesses
2. claims arising directly or indirectly as a result of a Pre-existing Medical Condition of the Insured, the of the , the Insured's travelling companion, a travelling companion, a Relative or Close Business Associate or of the Insured or his travelling companion, or the person with whom the Insured has arranged to stay whilst on the trip, unless declared to and agreed by the Insurer with any required additional premium paid and/or amendments to policy conditions
3. claims arising if an Insured:
(i) is travelling against the advice of a medical practitioner or for the purpose of obtaining medical treatment;
(ii)is on a hospital waiting list or awaiting the results of medical investigations
(iii) has received a terminal prognosis at the date of application
4. claims arising which are not supported by written medical confirmation and clinical reports from medical service providers, as well as all other proof of the happening of an event causing Cancellation or Curtailment
5. claims for any costs associated with unused timeshare property
6. claims arising where the Insured has not been able to receive the necessary inoculations or vaccinations or obtain necessary visas.
SPECIAL NOTE: It is a condition of this section that any claim for Cancellation be advised verbally to your Issuing Agent as soon as possible and confirmed in writing within 48 hours to the Loss Adjuster.
What You Are Covered For:
The Insurer will pay the Insured the amount shown in the Schedule of Benefits for each and every completed period of 24 hours where, due to strike or industrial action, the Insured's pre-booked hotel completely withdraws the following:
(i) water or electrical facilities; or
(ii) swimming pool facilities; or
(iii)kitchen services to the extent thatno food is available; or
(iv) chambermaid facilities.
The Insurer shall not be responsible for:
1. claims which are not substantiated by a written report from the tour representative and/or hotel confirming the exact length, nature and cause of the disruption
2. claims arising from strike or industrial action which was notified at the time the insurance was purchased
3. claims for services not normally available prior to any strike or industrial action.
The Insurer will reimburse the Insured up to the amount shown in the Schedule of Benefits in respect of the following expenses necessarily incurred as a result of the Insured sustaining accidental bodily injury or becoming ill:
(a) cost of medical, surgical or hospitaltreatment (including emergencydental treatment up to €250 for theimmediate relief of pain only)The Insurer reserves the right to repatriate when, in the opinion of the doctor in attendance and the Insurerer's Medical Advisors, the is fit to travel. (b) cost of transporting the remains ofan to the Republic ofIreland or United Kingdom, or thereasonable cost of funeral in the country where death occurs, if other than the usual country of residence, up to €4,000
(c) reasonable additional transportation and accommodation costs (up to Û1,250 per person for accommodation)incurred by the Insured and any one person travelling with the Insured, as a result of the Insured, as a result of the receiving medical advice from the doctor in attendance and the Insurer's Medical Advisors that his originally planned return journey to the Republic of Ireland or United Kingdom is impossible due to medical reasons. (Payment shall be based upon the average cost of transportation and accommodation incurred prior to the originally planned return date)
2 Emergency Repatriation
(a) the cost of return to the Republic of Ireland or United Kingdom of an injured or sick by air ambulance or other medically appropriate means where, in the opinion of the Underwriter's Medical Advisors, such return is medically necessary.
We will pay up to the amount shown on the Schedule of Benefits for Physiotherapy Treatmentfrom a registered Physiotherapist following an illness, injury or accident, if upon return to the Republic of Ireland/ the UK following a valid claim under Medical Expenses a registered doctor deems this necessary. This benefit is payable for necessary treatment authorized by the Claims Handler, taking place within 30 days of your return to the Republic of Ireland/ the UK and provided it is not available under your normal health coverage plan (state or private provided)
Please note all other terms, conditions and exclusions as stated under Medical Expenses apply.
The Insurer shall not be responsible for
1. the Excess (unless the Insured uses a EHIC Card which successfully reduces the amount of the claim) as shown in the Schedule of Cover and Excesses;
2. claims arising directly or indirectly as a result of a Pre-existing Medical Condition of the Insured unless of the unless declared to and agreed by the Insurer with any required additional premium paid and/or amendments to policy conditions;
3. claims arising if an Insured:
(i) is travelling against the advice of a medical practitioner or for the purpose of obtaining medical treatment; or
(ii) is on a hospital waiting list or awaiting the results of medical investigations; or
(iii) has received a terminalprognosis at the date of application;
4. claims arising for treatment or surgery which, in the opinion of the Insurer's Medical Advisors, is not essential or can reasonably be delayed until the Insured's return to his Home;
5. claims arising from the additional costs of single or private hospital room accommodation;
6. claims arising from medical treatment of any kind received after an Insured has returned to the Republic of Ireland or United Kingdom;
7. claims arising directly or indirectly from pregnancy, other than complications of pregnancy occurring prior to the thirtysecond week, and the Insured has not had complications in any previous pregnancy;
8. claims arising from medical treatment of any kind not authorised at the time by a recognised registered medical practitioner.
9. claims arising from medical treatment of any kind occurring after an Insured has refused the offer of repatriation when, in the opinion of the doctor in attendance and the Insurer's Medical Advisors, the Insured is fit to travel;
10.claims arising in respect of physiotherapy treatment and other associated therapies.
In the event of an Insured dying, incurring medical expenses in excess of Û500, being involved in an accident, being admitted to hospital, or curtailing for medical reasons, CEGA Medical Assistance Ltd must be advised as soon as possible and liability shall only attach for expenses agreed by them. Failure to notify CEGA Medical Assistance Ltd will prejudice the Insurer and will result in the Insurer's non-acceptance of liability of such claims. Should the Insured require medical treatment in Australia, they should enrol with MEDICARE. It is not necessary to enrol on arrival. An Insured can simply do this at the first occasion in which they receive treatment. In-patient and out-patient treatment at a public hospital is then available free of charge. Should an Insured be admitted to hospital then immediate contact must be made with CEGA Medical Assistance Ltd and their authority obtained in respect of any treatment NOT available under MEDICARE before such treatment is provided.
SECTION C - HOSPITALISATION BENEFITWhat You Are Covered For:
The Insurer will pay the Insured the amount shown in the Schedule of Benefits for each and every completed period of 24 hours for which the Insured is an inpatient in a hospital abroad, as a direct result of an ccidental injury or illness which is covered under Section B.
- Lost, Stolen or Damaged
The Insurer will reimburse the Insured up to the amount as shown in the Schedule of Benefits, for the value of personal property taken or purchased on the trip by the Insured which is accidentally lost, stolen which is accidentally lost, stolen or damaged.
The maximum payment for any Single Item is shown in the Schedule of Benefits.is shown in the Schedule of Benefits.
The maximum payment for Valuables is shown in the Schedule of Benefits.
The maximum payment for any Single Item for which an original receipt, proof of purchase or insurance valuation (obtained prior to the loss) is not supplied is Û65, subject to a maximum of Û300 for all such items
The Insurer will reimburse the Insured up to the maximum as shown in the Schedule of Benefits for the value of Travel Documents (passport, green cards, travel tickets, accommodation vouchers and petrol coupons) held by an Insured which are lost or stolen (and reasonable expenses directly consequential upon any such loss)
The Insurer will reimburse the Insured for the cost of purchase of necessities, up to the maximum as shown in the Schedule of Benefits should baggage be delayed or lost in transit on the outward journey for more than 24 hours. Payment made under this heading will be set against the amount of any claim arising if the baggage is permanently lost. The Insured must supply receipts for the items purchased and confirmation from the carrier of the length of delay.
The Insurer shall not be responsible for:
1. the Excess as shown in the Schedule of Benefits and Excesses;
2. wear, tear and depreciation of the article(s);
3. claims arising from breakage of fragile articles unless caused by fire or accident to a vehicle;
4. claims arising for loss, theft or damage to prams, buggies, wheelchairs, pedal cycles, motor vehicles, marine or diving equipment and craft, surfboards, sailboards or related equipment or fittings of any kind;
5. claims arising from damage caused by leakage of powder or liquid carried within personal effects or baggage;
6. claims arising for Cash, cheques, travellers cheques, stamps and contact lenses, antiques, computer equipment of any kind, cellular telephones, tv sets;
7. claims arising for theft which is not reported to any appropriate police authority within 24 hours of discovery and an official report obtained;
8. claims arising for loss or damage which is not reported to any appropriate authority within 24 hours of discovery and an official report obtained (and specifically for claims arising against or in common carriers and hotels, any claim not reported in writing to such carrier or hotel within 24 hours of discovery, and an official report obtained). In the case of an airline, a Property Irregularity Report will be required;
9. claims arising for breakage of Sports Equipment whilst in use (unless Ski Equipment and the appropriate Wintersports Cover has been effected - Refer to Section N);
10. claims arising from delay, detention, seizure or confiscation by Customs or other officials;
11. claims arising for loss, theft or damage to household goods or anything shipped as freight or under a Bill of Lading;
12. claims arising for loss or damage of dentures or bridgework, artificial limbs or hearing aids of any kind;
13. claims arising for property left unattended in a place to which the general public has access or left in the custody of a person who does not have an official responsibility for the safekeeping of the property;
14. claims arising for loss, theft or damage of items from an unattended motor vehicle, unless taken from a locked boot between 7am and 10pm local time and there is evidence of forced entry which is confirmed by a police report;
15. claims arising for loss or damage to items carried on a vehicle roof rack;
16. claims arising for loss, theft or damage to Valuables which at the time of such loss, theft or damage were located in checked-in luggage or an unattended motor vehicle;
17. claims arising for loss, theft or damage in excess of €120 occurring on a beach or in or around a swimming pool (including claims under Section E).
SECTION E - PERSONAL MONEY
What You Are Covered For:
The Insurer will indemnify the Insured up to the amount as shown in the Schedule of Benefits in respect of loss of Cash or travellers cheques (unless the issuer provides a replacement service) which is the property of the Insured and carried on the Insured person (a reduced limit applies as shown in the Schedule of Benefits for children under 18 unless an adult premium has been paid) or placed in a safety deposit box or similar locked, fixed receptacle. Cover for Cash is limited to the Cash limit as shown in the Schedule of Benefits.
The Insurer shall not be responsible for
1. the Excess as shown in the Schedule of Benefits and Excesses;
2. claims arising for theft which is not reported to any appropriate police authority within 24 hours of discovery and an official report obtained;
3. claims for loss which is not reported to any appropriate authority within 24 hours of discovery and an official report obtained (and specifically for claims arising against or in common carriers and hotels, any claim not reported in writing to such carrier or hotel within 24 hours of discovery, and an official report obtained). In the case of an airline, a Property Irregularity Report will be required;
4. claims arising from delay, detention, seizure or confiscation by Customs or other officials;
5. claims arising from shortages due to error, omission or depreciation in value;
6. claims arising for loss or theft of Cash which at the time of such loss or theft was located in checked-in luggage or an unattended motor vehicle;
7. claims for loss or theft in excess of €120 occurring on a beach or in or around a swimming pool (including claims under Section D).
We will not pay for the following in addition to the general exclusions:
1. claims where you can or could have recovered your losses from any other source;
2. where the card’s reporting of loss procedures have not been followed;
3. claims where you are not able to supply all Credit Card Receipts;
4. any costs incurred in the replacement or return of the lost or stolen card;
5. claims occurring outside of 31 days from the date of return to your normal country of residence;
6. the excess as shown on the Schedule of Benefits.
What You Are Covered For:
In the event of a delay of the Insured’s outward flight or sea trip from the Republic of Ireland or United Kingdom or planned inbound flight or sea trip to the Republic of Ireland or United Kingdom, the Insurer will indemnify the Insured as follows:
The amount shown in the Schedule of Benefits for the first full 12 hour period of delay and an additional amount for each full 12 hour period of delay thereafter, up to the maximum amount shown in the Schedule of Benefits, provided always that the Insured obtains from the carrier a statement confirming the length and exact nature of the delay. The amount shown in the Schedule of Benefits for the first full 12 hour period of delay and an additional amount for each full 12 hour period of delay thereafter, up to the maximum amount shown in the Schedule of Benefits, provided always that the obtains from the carrier a statement confirming the length and exact nature of the delay.
If the holiday or journey is necessarily cancelled following a delay of not less than 24 hours beyond the scheduled departure time (and written confirmation obtained from the carrier), the Insurer will indemnify the Insured up to the amount shown in up to the amount shown in the Schedule of Benefits for travel and accommodation expenses paid or contracted to be paid by an Insured in respect of his own trip (prior to any occurrence giving rise to a claim under this section) and which are not recoverable. No claim shall be made under both Travel Delay and Abandonment. If the holiday or journey is necessarily cancelled following a delay of not less than 24 hours beyond the scheduled departure time (and written confirmation obtained from the carrier), the Insurer will indemnify the up to the amount shown in the Schedule of Benefits for travel and accommodation expenses paid or contracted to be paid by an in respect of his own trip (prior to any occurrence giving rise to a claim under this section) and which are not recoverable. No claim shall be made under both Travel Delay and Abandonment.
The Insurer shall not be responsible for
1. the Excess as shown in the Schedule of Benefits and Excesses for Section F2 (Abandonment);
2. claims arising from delay caused by strike if strike or industrial action was notified at the time the insurance was purchased
SECTION F3 - PET CARE
What You Are Covered For:
In the event of a delay of more than 12 hours to the Insured’s final planned inbound flight, rail or sea trip to the Republic of Ireland or United Kingdom, the Insured will indemnify the Insured up to the amount stated in the Schedule of Benefits in respect of additional kennel and/or cattery fees necessarily incurred as a direct result of the delay.
The Insurer shall not be responsible for
1. claims not substantiated by a written report from the carrier stating the length and exact nature of the delay; 2. claims arising from delay caused by strike or industrial action if already notified at the time the insurance was purchased.
SECTION G - HIJACK
What You Are Covered For:
The Insurer will pay the Insured the amount shown in the Schedule of Benefits for each and every completed eriod of 24 hours in the event of hijack of the transport on which the Insured is travelling.
What You Are Not Covered For:
The Insurer shall not be responsible for
1. claims not substantiated by a police report confirming the length and exact nature of the incident.
SECTION H - MISSED DEPARTURE
What You Are Covered For:
The Insurer will indemnify the Insured up to the amount shown in the Schedule of Benefits, in respect of reasonable additional costs of travel and accommodation necessarily incurred if the Insured is unable to reach the is unable to reach the International point of departure of the booked travel itinerary on the initial outward or final return journey as a consequence of the failure of Public Transport services or the accident/ services or the accident/ breakdown of a private motor car in which the Insured is travelling:
The Insurer shall not be responsible for
1. the Excess as shown in the Schedule of Benefits and Excesses;
2. claims arising as a result of the Insured not having taken reasonable not having taken reasonable steps to complete the journey to the departure point on time;
3. claims arising from the failure of Public Transport services caused by strike, services caused by strike, riot or civil commotion for which warning has been given prior to the commencement of departure to the departure point;
4. claims arising from the vehicle not having been properly serviced and maintained, in the event of vehicle breakdown.
SECTION I - PERSONAL ACCIDENT
What You Are Covered For:
The Insurer will pay the Insured or his state the sum insured as shown in the Schedule of Benefits for one of the following Losses resulting from an Accident sustained by the Insured: Death, Loss of Limb(s), Loss of Sight or Permanent Total Disablement. Loss.
Loss must occur within 180 days of the date of Accident. No benefits shall be paid for. No benefits shall be paid for more than one Loss suffered.
1. Any benefit where your death, injury or loss does not occur within 180 days of the accident
2. Any benefit as a result of participating in a hazardous sport or leisure activity, unless you have paid the additional premium prior to travel and cover is confirmed on your certificate
3. Any benefit if you cannot prove to the underwriter that the permanent total disablement has continued for 12 months from the date of the injury and in all probability will continue for the remainder of your life
4. More than one lump sum under this section.SECTION J - PERSONAL LIABILITY
What You Are Covered For:
The Insurer will indemnify the Insured up to the amount as shown in the Schedule of Benefits for the legal liability of the Insured for accidental injury to third for accidental injury to third parties and/or accidental damage to their property. This cover is applicable only in respect of liability under the law of the country in which the event giving rise to the claim occurred, or under Irish or UK law.
The Insurer shall not be responsible for
1. the Excess for damage to property as shown in the Schedule of Benefits and Excesses;
2. claims arising directly or indirectly from, happening through or in consequence of:
(i) employer’s liability, contractual liability, or liability to a member of the Insured’s family;
(ii) animals belonging to, or in the care, custody or control of the Insured;
(iii) wilful, malicious or unlawful acts or the use of firearms;
(iv) the pursuit of trade, business or profession;
(v) ownership or occupation of land or buildings; or
(vi) the influence of intoxicating liquor or drugs;
3. claims arising directly or indirectly from, happening through or in consequence of ownership, possession or use of any vehicle, automobile, aircraft, watercraft, or any mechanically propelled conveyance;
4. claims for legal fees and costs resulting from any criminal proceedings.
SPECIAL NOTE: No liability shall be admitted and no admission, arrangement, offer, promise or payment shall be made by the Insured without the written consent of the Insurer, who shall be entitled, if they so desire, to take over and conduct, in the name of the Insured, their defence of any claim or to prosecute for their own benefit any claims for indemnity, damages or otherwise against any third party. The Insurer shall have full discretion in the conduct of any negotiations, proceedings, or the settlement of any claims and the Insured shall, herever possible, give all such information and assistance as the Insurer may require.
What You Are Covered For:
The Insurer will reimburse the Insured up to the amount as shown in the Schedule of Benefits, for legal costs incurred by the Insured in pursuit of legal proceedings in pursuit of legal proceedings against third parties (excluding any member of the Insured’s family or travelling companion) for any compensation owed to the Insured arising directly from physical bodily injury to or death of the Insured during the Period of Insurance.
The Insurer shall not be responsible for
1. the Excess as shown in the Schedule of Benefits and Excesses;
2. claims arising for any legal expenses incurred without prior authorisation by the Insurer;
3. claims arising where the Insurer considers the Insured’s prospects of success in achieving a reasonable benefit to be insufficient;
4. claims arising pursuant to a contingent fee agreement between the Insured and his counsel;
5. claims arising for travel and accommodation expenses in pursuit of a legal action;
6. claims arising from the Insured pursuing legal proceedings as part of and/or on behalf of a group or organisation.
7. claims arising from any legal costs pursuant to a legal action against a travel agent, tour operator, carrier, the Insurer, OSG Healthcheck, OSG Travel claims,CEGA Medical Assistance, Kindlon Insurances, KMT Travel Insurance Services.
The Insured must comply with the following procedures:
(a) The Insured shall apply to the Insurer for a written acknowledgement by the Insurer of the existence of a potentially viable claim.
(b) If an acknowledgement in (a) is granted, the Insurer shall initially pay up to 5% of the amount shown in the Schedule of Benefits for legal costs incurred by the Insured to determine the probability of success in achieving a reasonable benefit. This shall include an assessment of the legal liability of the potential defendant and the ability to collect damages from the potential defendant.
The Insurer shall not be responsible for any legal expenses incurred prior to its issuing the Insured with a written acknowledgement of the existence of a potentially viable claim. In the event that the Insured is awarded legal costs as part of any judgement or settlement, the Insurer shall be entitled to repayment by the Insured of any sums paid under this Section. In the event that the Insured is awarded compensation (by judgement or settlement), the Insurer shall be entitled to recover from the Insured two thirds of any sum paid to the Insured under any section of this policy on account of the same incident for which compensation is received. Claims in respect of Sections J and K must be notified to the Loss Adjuster in writing immediately.
What You Are Covered For:
The Insurer will indemnify the Insured up to the amount as shown in the Schedule of Benefits in the event that the the Insured is forced to move from the pre-booked accommodation as a result of fire, lightning, explosion, earthquake, storm, tempest, hurricane, flood, medical epidemic or local Government directive which is confirmed in writing by local or national authority for irrecoverable travel or accommodation costs necessarily incurred to continue with the trip or, if the trip cannot be continued for return Home.
What You Are Not Covered For:
The Insurer shall not be responsible for
1. the Excess as shown in the Schedule of Benefits and Excesses;
2. claims where a report from local or national authority is not obtained stating that it was not acceptable for the Insured to remain in his booked accommodation.
What You Are Covered For:
In the event that on return from the holiday or journey the Insured’s Home has been damaged during the Period of Insurance rendering it unsafe or insecure or resulting in unreasonable discomfort to the occupants, Insurers will indemnify the Insured up to the amount shown in the Schedule of Benefits for the cost of repairs carried out by repairers appointed by CEGA Assistance Ltd to render assistance in respect of:
(i) the domestic plumbing or drainage system where there is a likelihood of flooding;
(ii) the domestic gas or electricity supply system in the event of complete failure;
(iii) the roofing where internal damage is likely to be caused;
(iv) the external locks, doors or windows rendering the Home insecure; or
(v) a fixed heating system where there is an escape of water or oil.
The Insurer shall not be responsible for
1. the Excess as shown in the Schedule of Benefits and Excesses;
2. claims arising for damage which is not reported to any appropriate authority within 24 hours of discovery and an official report obtained.
WINTERSPORTS COVER
Provided when Wintersports Cover is effected and appropriate premium paid.
Wintersports cover shall not be bound by cover shall not be bound by Exclusions Applicable to All Sections, paragraph 10, in so far as it excludes ‘All Wintersports’. However, Exclusions ’. However, Exclusions Applicable to All Sections, paragraph 10 shall include ski jumping, ski flying, heliskiing, ski acrobatics, ski stunting, freestyle skiing, off-piste skiing on areas designated as unsafe by resort management, ski racing and training, ski bob racing, parapenting, ice hockey and the use of skeletons and bobsleighs.
SECTION N - SKI EQUIPMENT
What You Are Covered For:
The Insurer will indemnify the Insured in respect of loss or breakage of Ski Equipment up to the amount as shown in the Schedule of Benefits for owned and hired Ski Equipment. In the case of owned Ski Equipment, each claim is subject to a maximum payment for any Single Item shown in the Schedule of Benefits.
The maximum payment for any Single Item for which an original receipt, proff of purchase or insurance valuation (obtained prior to the loss) is not supplied is €65, subject to a maximum of €300 for all such items.
What You Are Not Covered For:
The Insurer shall not be responsible for
1. the Excess as shown in the Schedule of Benefits and Excesses;
2. claims arising for theft which is not reported to any appropriate police authority within 24 hours of discovery and an official report obtained;
3. claims arising for loss or damage which is not reported to any appropriate authority within 24 hours of discovery and an official report obtained (and specifically for claims arising against or in common carriers and hotels, any claim not reported in writing to such carrier or hotel within 24 hours of discovery, and an official report obtained);
4. claims arising for loss, theft or damage to household goods or anything shipped as freight or under a Bill of Lading;
5. claims arising for property left unattended in a place to which the general public has access or left in the custody of a person who does not have an official responsibility for the safekeeping of the property;
6. claims arising for loss, theft or damage of items from an unattended motor vehicle, unless taken from a locked boot or lockable roof rack between 7am - 10pm local time and there is evidence of forced entry which is confirmed by a police report;
7. claims arising from delay, detention, seizure or confiscation by Customs or other officials.
8. breakage of Ski Equipment over 5 years old.
SPECIAL NOTE: The Insurer’s liability for Ski Equipment owned by the Insured shall be further limited as follows:
Up to 1 year old - 90% of purchase price
Up to 2 years old - 70% of purchase price
Up to 3 years old - 50% of purchase price
Up to 4 years old - 30% of purchase price
Up to 5 years old - 20% of purchase price
Over 5 years old - nil
The Insurer’s liability for Ski Equipment hired by the Insured shall be further limited to the Insured’s liability for such loss or damage.
The Insurer will indemnify the Insured up to the amount as shown in the Schedule of Benefits for each 24 hour period for the cost of necessary hire of Ski Equipment following:
(a) loss or breakage of the Insured’s Ski Equipment; or
(b) the misdirection or delay in transit of the Insured’s Ski Equipment for 12 hours.
1. the Excess as shown in the Schedule of Benefits and Excesses;
2. claims arising for theft which is not reported to any appropriate police authority within 24 hours of discovery and an official report obtained;
3. claims arising for loss or damage which is not reported to any appropriate authority within 24 hours of discovery and an official report obtained (and specifically for claims arising against or in common carriers and hotels, any claim not reported in writing to such carrier or hotel within 24 hours of discovery, and an official report obtained);
4. claims arising for loss, theft or damage to household goods or anything shipped as freight or under a Bill of Lading;
5. claims arising for property left unattended in a place to which the general public has access or left in the custody of a person who does not have an official responsibility for the safekeeping of the property;
6. claims arising for loss, theft or damage of items from an unattended motor vehicle, unless taken from a locked boot or lockable roof rack between 7am - 10pm local time and there is evidence of forced entry which is confirmed by a police report;
7. claims arising from delay, detention, seizure or confiscation by Customs or other officials.
SECTION P - SKI PACK
The Insurer will indemnify an Insured up to the amount as shown in the Schedule of Benefits, for the proportionate value of any ski pass, ski hire or tuition fee necessarily unused due to the following:
(a) accident or sickness of an Insured.
(b) loss or theft of ski pass.
What You Are Not Covered For:
The Insurer shall not be responsible for
1. the Excess as shown in the Schedule of Benefits and Excesses;
2. claims arising for theft which is not reported to any appropriate police authority within 24 hours of discovery and an official report obtained;
3. claims arising for loss or damage which is not reported to any appropriate authority within 24 hours of discovery and an official report obtained (and specifically for claims arising against or in common carriers and hotels, any claim not reported in writing to such carrier or hotel within 24 hours of discovery, and an official report obtained). In the case of an airline, a Property Irregularity Report will be required;
4. claims arising for property left unattended in a place to which the general public has access or left in the custody of a person who does not have an official responsibility for the safekeeping of the property;
5. claims arising for loss or theft of items from an unattended motor vehicle unless taken from a locked boot or lockable roof rack between 7am and 10pm and there is evidence of forced entry which is confirmed by a police report;
6. claims arising directly or indirectly as a result of a Pre-existing Medical Condition of the Insured unless declared to and agreed by the Insurer with any required additional premium paid and/or amendments to policy conditions.
7. claims arising from a medical condition which is not substantiated by a report from the treating doctor confirming the Insured’s inability to ski.
SECTION Q - PISTE CLOSURE
In the event that, due to lack of snow fall or adverse weather in the pre-bookedWintersports resort between the months resort between the months of December to March and no alternative being available, the Insured is not allowed to ski for a period in excess of 12 hours, the Insurer will pay the benefit as shown in the Schedule of Benefits for each full 24 hour period in which an Insured is unable to ski, up to the maximum as shown in the Schedule of Benefits.
What You Are Not Covered For:
The Insurer shall not be responsible for
1. claims arising which are not substantiated by a report from the resort management.
2. claims arising due to lack of snow fall in a Wintersports resort which does not possess skiing facilities above 1,000 metres.
SECTION R - DELAY DUE TO AVALANCHE
What You Are Covered For:
The Insurer will pay the Insured up to the amount as shown in the Schedule of Benefits for additional travel and accommodation expenses in the event that the Insured’s outward or return journey is delayed for at least 12 hours beyond the scheduled departure time as a direct result of avalanche.
What You Are Not Covered For:
The Insurer shall not be responsible for
1. the Excess as shown in the Schedule of Benefits and Excesses;
2. claims arising which are not substantiated by a report from the resort management.
SECTION S - GOLF EQUIPMENT
Provided when Golfing Cover is effected and the appropriate premium paid.
What You Are Covered For:
The Insurer will indemnify the Insured up to the amount as shown in the Schedule of Benefits for loss, theft or breakage of Golf Equipment. The maximum payment for any Single Item is €150
The maximum payment for any Single Item for which an original receipt, proof of purchase or insurance valuation (obtained prior to the loss) is not supplied is €65, subject to a maximum of Û250 for all such items.
What You Are Not Covered For
The Insurer shall not be responsible for:
1. the Excess as shown in the Schedule of Benefits and Excesses;
2. claims arising for theft which is not reported to any appropriate police authority within 24 hours of discovery and an official report obtained;
3. claims arising for loss, theft or damage which is not reported to any appropriate authority within 24 hours of discovery and an official report obtained (and specifically for claims arising against or in common carriers and hotels, any claim not reported in writing to such carrier or hotel within 24 hours of discovery, and an official report obtained). In the case of an airline, a Property Irregularity Report will be required;
4. claims arising from delay, detention, seizure or confiscation by Customs or other officials;
5. claims arising for loss, theft or damage toGolf Equipment shipped as freight or shipped as freight or under a Bill of Lading;
6. claims arising for Golf Equipment left unattended in a place to which the general public has access or left in the custody of a person who does not have an official responsibility for the safekeeping of the property;
7. claims arising for loss, theft or damage ofGolf Equipment from an unattended from an unattended motor vehicle, unless taken from a locked boot and there is evidence of forced entry which is confirmed by a police report;
8. claims arising for loss, theft or damage toGolf Equipment carried on a vehicle carried on a vehicle roof rack;
9. breakage of Golf Equipment over 5 years old.
SECTION T - GOLF EQUIPMENT HIRE
The Insurer will indemnify an Insured up to the amount as shown in the Schedule of Benefits for each 24 hour period, for the cost of necessary hire of Golf Equipment following:
(a) loss or breakage of an Insured’s Golf Equipment; or
(b) the misdirection or delay in transit for at least 12 hours of an Insured’s Golf Equipment.
What You Are Not Covered For
The Insurer shall not be responsible for:
1. claims arising for theft which is not reported to any appropriate police authority within 24 hours of discovery and an official report obtained;
2. claims arising for loss, theft or damage which is not reported to any appropriate authority within 24 hours of discovery and an official report obtained (and specifically for claims arising against or in common carriers and hotels, any claim not reported in writing to such carrier or hotel within 24 hours of discovery, and an official report obtained). In the case of an airline, a Property Irregularity Report will be required;
3. claims arising for loss, theft or damage ofGolf Equipment shipped as freight or shipped as freight or under a Bill of Lading;
4. claims arising for Golf Equipment left unattended in a place to which the general public has access or left in the custody of a person who does not have an official responsibility for the safekeeping of the property;
5. claims arising for loss, theft or damage ofGolf Equipment from an unattended from an unattended motor vehicle, unless taken from a locked boot and there is evidence of forced entry which is confirmed by a police report;
6. claims arising for loss, theft or damage ofGolf Equipment carried on a vehicle carried on a vehicle roof rack.
SECTION U - GREEN FEES
The Insurer will indemnify an Insured up to an amount of €35 per day up to €150 in total, for the roportionate value of any non-refundable, pre-paid green fees, Golf Equipment hire or tuition fee necessarily unused due to the following:
(a) accident or sickness of an Insured; or
(b) loss or theft of documentation which prevents the participation in the pre-paid golfing activity.
The Insurer shall not be responsible for:
1. claims arising for theft which is not reported to any appropriate police authority within 24 hours of discovery and an official report obtained. In the case of an airline, a Property Irregularity Report will be required;
2. claims arising for loss which is not reported to any appropriate authority within 24 hours of discovery and an official report obtained (and specifically for claims arising against or in common carriers and hotels, any claim not reported in writing to such carrier or hotel within 24 hours of discovery, and an official report obtained). In the case of an airline, a Property Irregularity Report will be required;
3. claims arising for property left unattended in a place to which the general public has access or left in the custody of a person who does not have an official responsibility for the safekeeping of the property;
4. claims arising for loss, theft or damage of items from an unattended motor vehicle, unless taken from a locked boot and there is evidence of forced entry which is confirmed by a police report;
5. claims arising directly or indirectly as a result of a Pre-existing Medical Condition of the Insured, unless of the , unless declared to and agreed by the Insurer with any required additional premium paid and/or amendments in policy conditions.
6. claims arising from a medical condition which is not substantiated by a report from the treating doctor confirming theInsured’s inability to play Golf.
Subject to an additional premium being paid
What You Are Covered For:
(a) Business equipment The Insurer will pay, up to €1,200, for accidental loss, theft of or damage to your business equipment. Following this accidental loss, theft or damage to your business equipment, the Insurer will include the cost of any emergency courier expenses you have incurred, in obtaining any business equipment, which is essential to your intended business itinerary, up to €200 in all
What You Are Not Covered For
The underwriter will not pay for the following in addition to the General Exclusions on pages 21 and 22 of the policy document in connection with a claim made under Section V.
1. The excess as shown in the Schedule of Benefits and excesses
2. More than €65 per single item, up to a maximum of €190 in total for any one claim, if you are unable to provide the original receipt, proof of purchase or an insurance valuation which was obtained prior to the loss.
3. Claims for theft of your business equipment, if you have not notified the police within 24 hours of its discovery and obtained a written report, which includes the crime reference number.
4. Any claim if the loss, damage or theft occurs during a journey or whilst in the custody of an airline or other carrier, and you have not notified the carrier or their handling agent of the incident and obtained an official report or a Property Irregularity Report (PIR).
5. Wear, tear or depreciation.
6. Mobile phones.
7. Loss, theft or damage arising from the delay, detention, seizure or confiscation by Customs or other officials.
8. Damage caused by the leakage of powder or liquid carried within your business equipment.
9. Any breakage of fragile articles, unless the breakage is caused by fire or an accident involving the vehicle in which you are being carried.
10. Damage to, or loss or theft of your business equipment, if it has been left:
a. Unattended, in a public place.
b. In the custody of a person who does not have an official responsibility for the safekeeping of the property.
c. In an unattended motor vehicle, unless they have been taken from a locked boot between 8a.m – 8p.m. local time and there is evidence of forced entry, which is confirmed by a police report.
d. Loss, theft or damage to anything being shipped as freight or under aSBill of LadingEC
SECTION W - SCHEDULED AIRLINE FAILURE
1. Irrecoverable sums paid in advance in the event of insolvency of the scheduled airline provider not forming part of an inclusive holiday prior to departure; or 2. In the event of insolvency after departure:
(a) additional pro rata costs incurred by the Person–Insured in replacing that part of the flight arrangements to a similar standard to that originally booked; or
(b) if curtailment of the holiday is unavoidable – the cost of return flights to the Republic of Ireland/United Kingdom to a similar standard to that originally booked.The Insurer will not pay for:
1. Scheduled flights not booked within the Republic of Ireland /United Kingdom;
2. Scheduled flights not booked through a bonded travel agent or direct with a scheduled airline;
3. The financial failure of:
(a) any scheduled airline in chapter 11 at the date of issue of the Policy Schedule;
(b) any scheduled airline who is bonded or insured elsewhere (even if the bond is insufficient to meet the claim); or
(c) any travel agent, tour organiser, booking agent or consolidator with whom the insured has booked a scheduled flight.
We will pay the reasonable costs incurred up to the amount shown on the Schedule of Benefits, in additional days rental or in returning your hire car to the nearest hire car depot if you and any authorized member in your travelling party are unable to return it due to your illness, injury or death, but only where you are liable for such costs under the Hire Agreement. We will not pay for the following in addition to the general exclusions:
1. claims which are not substantiated by a written report from the hire car company.
EXCLUSIONS APPLICABLE TO ALL SECTIONS OF THE INSURANCE
The Insurer shall not be responsible for claims arising:
1. for any claims in any way caused or contributed to by:
(i) the failure of; or
(ii) the fear of the failure of; or
(iii) the inability of any equipment or any computer program to recognise, interpret correctly or process any date as its true calendar date or to continue to function correctly beyond that date except those under Sections B,C andI);
2. which are directly or indirectly caused by, occasioned by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the claim:
i). nuclear detonation, reaction, nuclear radiation, or contamination howsoever such nuclear detonation, reaction, nuclear radiation, or radioactive contamination may have been caused; or
ii).war ,warlike operations, invasion, act of foreign enemy, hostilities (whether war is declared or not), civil war, rebellion revolution, insurrection, military force or usurped power, confiscation, the release or escape of weapons of mass destruction, or any other similar event; or
iii). seizure or illegal occupation; or
iv). confiscation, requisition, detention, legal or illegal occupation, embargo, quarantine or any result of any order of public or government authority which deprives you of the use or value of your property, nor for loss or damage arising from acts of contraband or illegal transportation or illegal trade; or
v). discharge of pollutants or contaminants, which pollutants and contaminants shall include but are not limited to any solid, liquid, gaseous or thermal irritant, contaminant or toxic or hazardous substance or any substance the presence, existence or release of which endangers or threatens to endanger the health, safety or welfare of persons or the environment; or
vi). chemical or biological release or exposure of any kind: or
vii). attacks by electronic means including computer hacking or the introduction of any form of computer virus; or viii). threat or hoax, in the absence of physical damage due to an act of terrorism; or
ix). any action taken in controlling, preventing, suppressing or in any way relating to any act of terrorism
x) (a) An act of terrorism. This exclusion is applicable to all Sections other than Section A1 Cancellation and Curtailment and Section B Medical Expenses and Emergency Repatriation.
(b) An act of terrorism caused or contributed to by the use or release or the threat thereof of any nuclear weapon or device or chemical or biological agent, regardless of any contributory cause(s).
This exclusion is applicable to Section A1 Cancellation and Curtailment and Section B Medical Expenses and Emergency Repatriation only.
For the purpose of this exclusion:
Terrorism means an act, or acts, of any person or group committed for political, religious or similar purposes, with the aim of influencing any government or putting the public, or any section of the public ,in fear. Terrorism can include, but is not limited to , using or threatening to use force or violence. The people who carry out acts of terrorism can either be acting alone, or acting on behalf of or in connection with any organisation or government. If any part of this exclusion is found to be invalid, or we cannot enforce any part of it, the rest will still apply. Chemical agent shall mean any compound which, when suitably disseminated, produces incapacitating, damaging or lethal effects on people, animals, plants or material property. “Biological” agent shall mean any pathogenic (disease producing) microorganism(s) and/or biological produced toxin(s) (including genetically modified organisms and chemically synthesised toxins) which cause illness and/or death in humans, animals or plants.
3. from any loss, injury, damage, illness, death or legal liability arising directly or indirectly from, or consisting of, the following:
(a) ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel.
(b) the radioactive, toxic, explosive or other hazardous properties of any nuclear assembly or nuclear component.
(c) any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter.
4. from HIV, Acquired Immune Deficiency Syndrome (AIDS) or AIDS related complex;
5. from the Insured engaging in any illegal or criminal act;
6. from any consequential loss whatsoever. Claims shall only be paid for those losses which are specifically stated under the terms of this insurance (except as provided in Section D relating to loss of Travel Documents);
7. directly or indirectly out of financial incapacity of the Insured;
8. which but for the existence of this insurance, would be covered under any other insurance policy(ies), including any amounts recovered by the Insured from private health insurance, EHIC Card payments, any reciprocal health agreements, airlines, hotels, home contents Insurers or any other recovery by theInsured which is the basis of a claim; which is the basis of a claim;
9. 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 except for cover as defined in Section A2 and A3;
10. from any Hazardous Activity including but not limited to all Wintersports (except where an appropriate premium has been paid), racing (other than on foot), mountaineering with the use of ropes, pot-holing, caving, hang-gliding, microlighting, parachuting, motor scooters, sports tours/ competitions, base jumping, boxing, hunting, gliding, Polo, Para motoring, Skydiving, bouldering, free climbing, Professional Sports, professional entertaining and motor racing. Certain other activities may be covered if declared to and agreed by the Insurer with any required additional premium paid and/or amendments to policy conditions;
11. from Suicide or attempted suicide or wilful exposure to danger (except in an attempt to save human life), mental disorder, anxiety, stress or depression, venereal infection or the influence of or in connection with the use of alcohol or drugs, unless as prescribed by a treating doctor;
12. from an Insured being in or entering or descending from an aircraft other than a fully licensed passenger carrying aircraft in which an Insured is travelling as a passenger other than as a member of the crew and not for the purpose of undertaking any trade or technical operation therein or thereon;
13. from the Insured’s wilful exposure to a peril. The Insured must exercise reasonable care to prevent illness, injury or loss or damage of his property as if uninsured;
14. directly or indirectly from the Insured being engaged in any manual employment after the commencement of the trip;
15. which have not been proven and the amount thereof substantiated.
2. All Certificates, information and evidence required by the Insurer shall be furnished at the expense of the Insured or his legal personal representatives and shall be in such form and of such nature as the Insurer may prescribe. The Insured shall as often as required submit to a medical examination on behalf of the Insurer at the Insured’s expense. In the event of death of the Insured, the Insurer shall be entitled to have a post-mortem examination at their own expense. Any items which become the subject of a claim for loss or damage shall be retained for Insurer’s inspection and shall be forwarded to their Agents upon request at the expense of the Insured or his legal personal representatives. All such items shall become the property of the Insurer following final settlement of the claim.
3. In the event of any occurrence which may give rise to a claim under this insurance, theInsured shall take all reasonable steps to shall take all reasonable steps to minimise any loss arising out of such claim. 4. This insurance is non-transferable. Should the journey or holiday be cancelled prior to departure for any reason whatsoever other than those set out in Section A of the policy then the insurance cover terminates immediately and the premium is neither apportionable nor refundable.
5. The Insurer and the Insured are entitled to choose the law applicable to the insurance contract. The Underwriter chooses Irish or UK law and, in the absence of any agreement to the contrary, Irish law shall apply.
6. The Insurer may, at its own expense, take proceedings in the name of the Insured to recover compensation or secure an indemnity from any third party in respect of any loss or damage covered by this insurance and any amount so recovered shall belong to the Insurer.
7. In the event that the Insured recovers by any means, damages from any third party in respect of personal accident in the circumstances defined in Section I, all benefits paid to theInsured under Section I shall be repaid to the under Section I shall be repaid to the Underwriter.
8. If any fraudulent claim is made or if any fraudulent means or devices are used to obtain any benefit under this policy, all benefits thereunder shall be forfeited as well as all premiums paid.
9. In the event that the Insured experiences a problem with the policy or the claims process, please refer to the Complaints Procedure.
10. If at the time of loss, damage or liability, covered under this Policy, you have any other insurance or guarantee which covers the same loss, damage or liability, the insurer will only pay a rateable share of claim.
Several Liability Notice
The subscribing Insurers’ obligations under contracts of insurance to which hey subscribe are several and not joint and are limited solely to the extent of their individual subscriptions. The subscribing Insurers are not responsible for the subscription of any co-subscribing Insurer who for any reason does not satisfy all or part of its obligations.
If you need to make a claim please obtain a claim form at www.osgtravelclaims.ie no later than 31 days after the event by or writing to:
OSG Travel Claims, Nutley Building, Merrion Centre, Nutley Lane, Dublin 4
Tel (01) 6619133; Fax (01) 6615249
(please do not send in any documents at this time)
- This booklet and Insurance Booking Invoice
- Holiday booking Invoice / Flight Tickets
- Any other supporting documentation requested by the Loss Adjuster
These must be original documents - Photocopies will not be accepted
(Please keep copies for your records).
Download a Claim Form at www.osgtravelclaims.ie
1. A Heart or Circulatory related condition (e.g. Hypertension, Angina, Stroke etc.)
2. A Lung or Breathing related condition other than well controlled, mild asthma, suffered in isolation.
3. Any form of Cancer.
Then please contact (01) 6619133 where our medical co-ordinators will tell you if your condition can be covered.
MAX POLICY AGE LIMITS AT INCEPTION (see Validation Cert)
Annual Multi-Trip Cover - 69 years.
Winter Sports - 65 years.
Single Trip - 85 years.
ANNUAL MULTI TRIP POLICY
Please note that your Annual Multi Trip policy covers you for 40 Days any one trip. Winter sport (subject to additional premium) extends cover with 21. Winter sport (subject to additional premium) extends cover with 21 days winter sports (65 years or under) included during the policy period. The annual multi trip policy excludes persons over 69 years.
You are covered for pregnancy up to thirty second week. If you have had any previous complications or a miscarriage then please contact Healthcheck Ireland on (01)6619133 to declare your condition.
If it is deemed necessary to cancel your travel arrangements you must contact your Travel Agent/Tour Operator immediately and confirm in writing to OSG Travel Claims within 48 hours. Please note that the definition of a relative. Please note that the definition of a under this policy excludes nephew, niece, aunt, uncle and cousin (see policy wording for full definition pg. 10)
BAGGAGE/MONEY CLAIMS
If any item of your baggage is lost or stolen or damaged whilst in transit then you must report this to the Airline, Hotel or Tour Operator Representative immediately.
Baggage excludes prams, wheelchairs, bicycles, diving equipment, computer equipment, antiques and mobile phones. It is important that you obtain a property damage/loss report or in the case of damage/loss by an airline. Fragile items are excluded under this policy. Cash must always be kept in a safety deposit box.
If you are unfortunate enough to lose or have stolen any items or belongings whilst on holiday, then you must notify the local police within 24 Hours andobtain a copy of the police report.
CEGA Medical Assistance Tel +44 124 362 1186
In case of any medical emergency please call CEGA Medical Assistance
If you have private medical insurance such as VHI or Bupa Ireland, then you must also contact that Company's Assistance telephone number and inform them of your medical emergency.
LEGAL LIABILITY
Please check that your legal liability is adequately covered under your insurance with the operator/car hire company before hiring/using motor vehicles, motorised water craft or aircraft (other than as passenger). Your travel policy does not cover your legal liability for these risks.
All Claims must be reported to OSG Travel Claims, Nutley Building, Merrion Centre,
Nutley Lane, Dublin 4, Tel (01) 6619133 You must enclose all documentation when claiming including your policy document invoice confirming KMT Insurance or download a claim form at www.osgtravelclaims.ie
