Gb Tours Coach + 2009 Policy Summary - Sample

Coach Plus 2009 - Policy Summary: Key Information You the Customer need to be aware of

Provided by: G B Tours Arranged by: P J HAYMAN & COMPANY LTD

This is a Policy Summary only and does not contain the full terms and conditions of the insurance contract. Full terms and conditions can be found in the Policy Document, which you should also read carefully. A copy of the policy wording is available on request. 1. Who provides your insurance cover ? Coach Plus Travel Insurance is underwritten by Elvia Travel Insurance International N.V. (which, during 2009 will change its name to Mondial Assistance Europe N.V.) Mondial Assistance (UK) Limited is Elvia's UK administrator. Our contact address is Mondial Assistance (UK) Ltd, Mondial House, 102 George Street, Croydon CR9 1AJ. Coach Plus Travel Insurance is arranged by P J Hayman & Company Limited.

2. What does Coach Plus Travel Insurance cover me for ? The policy is designed for those who wish to insure themselves when travelling for cancellation & curtailment, medical & incidental expenses, hospital inconvenience benefit, UK helpline repatriation & emergency expenses, personal accident, personal possessions, delayed personal possessions, personal money, loss of passport or travel documents, personal liability, travel disruption, travel delay and legal expenses.

3. What else do I need to know about my Coach Plus Travel Insurance policy ?

Policy Section

Important information about existing medical conditions

Significant Exclusions or Limitations

The policy does not automatically cover all illnesses and injuries. In particular, cover is excluded where you:i) are aware of any set of circumstances which could reasonably have been expected to give rise to a claim, or ii) have suffered from a chronic or recurring illness during the past 12 months UNLESS permission is obtained from the treating GP of fitness to travel at the time of booking.

Important Cover is not provided for: Where at the time of taking out this insurance, the person whose condition gives rise - Medical to a claim: Conditions i) is receiving, or on a waiting list for treatment in a hospital or nursing home; or ii) is awaiting the results of any tests or investigations; or iii) is pregnant and the pregnancy was more than 28 weeks at the end of the journey; iv) is travelling against the advice of a medical practitioner or for the purpose of obtaining medical treatment abroad; or v) has been given a terminal prognosis.

Significant Features and Benefits

Significant Exclusions or Limitations

(all benefits are per person unless otherwise stated)

Policy Section

Cancellation or Curtailment We will pay up to £5,000 if you cancel your journey before it begins, or you cut your journey short, due to certain necessary circumstances. The circumstances covered are listed in the policy document.

Cover is not provided for : - Any claim where you are unable to comply with IMPORTANT - MEDICAL CONDITIONS on Page 2 of the policy document - You not wanting to travel or not enjoying your journey - Any incident where you do not have a medical certificate from the doctor treating you abroad that says you need to return home early.

1.

Medical and Incidental Expenses (Not UK) We will pay up to £10 million if you are taken into hospital or you need to come home early or extend your journey because of illness or accident.

Cover is not provided for: - Any claim where you are unable to comply with IMPORTANT - MEDICAL CONDITIONS on Page 2 of the policy document - Expenses or fees (over £250) for in-patient treatment or repatriation, which has not been notified to and agreed by the Emergency Assistance Service

2a.

Hospital inconvenience benefit (Not UK) We will pay £25 for each consecutive 24 hour period you have to stay in hospital as an inpatient, outside the UK, up to £1,000 in total.

Cover is not provided for: - Any claim where you are unable to comply with IMPORTANT - MEDICAL CONDITIONS on Page 2 of the policy document.

2b.

UK Helpline – Repatriation & emergency expenses We will pay up to £10,000 if you suffer injury or illness and you are more than 25 miles away from your home. Cover includes medical repatriation, emergency accommodation (up to £200), visit by a close relative (up to £250), transportation of body or ashes (up to £1,000), repatriation of luggage (up to £1,000) and assistance in replacing lost or stolen medications etc.

Cover is not provided for: - Any claim where you are unable to comply with IMPORTANT - MEDICAL CONDITIONS on Page 2 of the policy document. - Expenses or fees (over £250) for in-patient treatment or repatriation, which has not been notified to and agreed by the Emergency Assistance Service. - Medical repatriation unless you have been hospitalised for at least 48 hours

2c.

Personal accident We will pay up to £15,000 if, following an accident, your injuries lead to loss of limb(s) or permanent disability (£5,000 if an accident leads to your death).

Cover is not provided for: - Anything caused by an illness - Permanent total disablement if you are aged 70 years or over - Any more than £3,500 for death if you are under the age of 16 years at the time of the accident.

3.

Personal possessions You are covered for up to £2,000 if your personal possessions are damaged lost or stolen on your journey. £200 is the most you can claim for a single article, pair or set. £200 is the total amount that you can claim for all your valuables.

Cover is not provided for: - Any claim not supported by a police report - Any items left unattended unless they are locked in your accommodation or the luggage compartment of a motor vehicle and there is evidence of forcible and violent entry - Valuables left unattended.

4.

Delayed personal possessions We will pay up to £150 to purchase essential items if your personal possessions are delayed for more than 12 hours on your outward journey.

Cover is not provided for: - Anything which you do not have a receipt for - Any claim if you do not get a letter from the carrier confirming the delay.

5.

Personal money You are covered for up to £500 (no more than £250 in cash) if your personal money is lost or stolen while on your journey.

Cover is not provided for: - Any claim not supported by a police report - Loss or theft of personal money unless it is on your person or whilst with hotel security or locked in a hotel safety deposit box.

6.

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Significant Features and Benefits

Policy Section

Significant Exclusions or Limitations

(all benefits are per person unless otherwise stated) Loss of passport or travel documents We will pay up to £250 in total for extra transport, accommodation and administration costs to issue a temporary passport or obtain replacement travel documents to enable you to return home. We will also pay for the remaining value of your original passport.

Cover is not provided for : - Any claim unless you get a letter from the consulate you reported the lost, stolen or destroyed passport to. - Any claim unless you have a written police report.

Personal liability We will pay up to £2 million to cover costs that you are legally liable for due to any of the following that you cause during your journey: - bodily injury of another person - loss or damage to other people's property. - loss or damage to accommodation you use on your journey that does not belong to you or a relative.

Cover is not provided for : - Any accidents caused by your possession of any motorised or mechanical vehicle - Anything which happens to anyone employed by you or a relative.

8.

Travel disruption We will pay up to £1,000 for extra transport and accommodation if you arrive at your departure point too late to board your booked transport as a consequence of delays in transit which are due to strike, industrial action, adverse weather conditions, accident or mechanical breakdown to scheduled public transport or the vehicle in which you are travelling.

Cover is not provided for: - Your failure to allow sufficient time necessary to arrive at the departure time in accordance with the itinerary supplied - Circumstances which could reasonably have been anticipated at the date of issue of this policy.

9.

Travel delay (Not UK) Delay - if your departure is delayed at least 12 hours we will pay £30 for each full 12 hour delay up to £150 in total. OR Abandonment - we will pay up to £5,000 if you choose to abandon your journey after a 12 hour delay to the outward journey.

Cover is not provided for: - Any claim unless you get a letter confirming the delay - Anything caused by you not checking in when you should have done - Any delay which was announced before you bought this policy.

10.

Legal expenses We will pay up to £25,000 for you, or up to £50,000 in total for all of you to take legal action for compensation as a result of your death, illness or injury during your journey.

Cover is not provided for: - Any costs not agreed by us - Any claim against a travel agent, tour operator or carrier, or us - Any claim not notified to us within 90 days.

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7.

What is not covered

Policy Section

Excess

The maximum amount deducted per claim for a single event or occurrence will be: • £50 per person for Sections 1 (other than loss of deposits or claims under £100, excess £15 per person), 2a, 2c, 4,6 and 10 (holiday abandonment only). • £100 per person for Section 8 (damage to holiday accommodation only). If you have paid the excess waiver premium, the standard excess is reduced to Nil, in the event of a claim.

1, 2a, 2c, 4, 6, 8 and 10

Losses

You are not covered for any loss caused as a direct or indirect result of anything you are claiming for, including loss of earnings or loss of enjoyment.

General Exclusions

Features

4. What is the duration of the contract?

8. What to do if you have a complaint?

Your policy will run from the dates shown on your Policy Schedule or Booking Confirmation once your policy is issued.

Should you wish to express a complaint about this policy then please write to: Complaints regarding CLAIMS or the EMERGENCY MEDICAL ASSISTANCE SERVICE The Quality Standards Manager, Mondial Assistance (UK) Limited, Mondial House, 102 George Street, Croydon, CR9 1AJ. If you are not satisfied with our final response you can refer the matter to the Financial Ombudsman Service for independent arbitration. Complaints regarding the SALE OF THE POLICY Please contact : G B Tours, 254 Borough Road, Birkenhead CH41 2RB as your issuing agent.

5. Do I need to do anything after I have purchased the policy? Please remember that it is your responsibility to regularly review your level of cover to ensure it remains adequate. Before you travel you must tell us about any change in your circumstances which may affect your cover. It is very important to tell us about any changes in medical conditions.

6. What cancellation rights do you have? If your cover does not meet your requirements, please notify the issuing agent or P J Hayman & Company Limited on 0845 260 1633, within 14 days of receiving your policy and return all your documents for a refund of your premium. If during this 14 day period you have travelled, made a claim, or intend to make a claim then we can recover all costs that you have used for those services. Please note that your cancellation rights are no longer valid after this initial 14 day period.

9. Is the insurer covered by the Financial Services Compensation Scheme (FSCS)? For your added protection, the insurers are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance cover is limited up to 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. Further information about the compensation scheme arrangements is available from the FSCS, telephone number 020 7892 7300, or by visiting their website at www.fscs.org.uk.

7. How do I make a claim? If you are abroad and need medical assistance, please call our 24 hour emergency service on: +44 (0)20 8603 9929 textphone +44 (0)20 8666 9562. If you are in the UK and need medical assistance, please call our 24 hour emergency service on: 020 8603 9929, textphone 020 8666 9562. For Legal expenses claims, please call +44 (0) 20 8603 9804 textphone +44 (0)20 8666 9562. For all other claims, please contact: The Coach Plus Travel Insurance Claims Department on 020 8666 9248 textphone 020 8666 9562 and ask for a claim form, or write to: Coach Plus Travel Insurance Claims Department, Mondial Assistance (UK) Limited, Mondial House, 102 George Street, Croydon, CR9 1AJ. or email your request to: [email protected]

This policy is available in large print, audio and Braille. Please contact us on telephone: 0845 260 1632 and we will be pleased to organise an alternative version for you.

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REF : CoachPlus/PS/01/09 (G B Tours)