Holiday Plus Travel - SuperValu Travel Insurance | · PDF file · 2017-08-03PART II...

Policy Document

Holiday PlusTravel

Useful telephone numbers

Customer Services:

1890 719 425Call this number if your circumstanceschange and you need to update yourpolicy or if you have a question.

ACE Assistance

+353 (0)1 440 2780

ContentsSuperValu Holiday Plus Travel Insurance...................................4Advice for Travellers...........................................................................5The information you provide..........................................................6

PART I1.1 Definitions...................................................................................81.2 Holidays Covered....................................................................111.3 Persons Insured.......................................................................121.4 When cover operates for a Holiday...................................121.5 Claims Conditions.................................................................. 121.6 Making a Claim....................................................................... 131.7 Annual Declaration................................................................ 13

PART IIACE Assistance..................................................................................14

PART IIISection 1. Medical Expenses and Additional Expenses....... 17Section 2. Hospital Benefit............................................................18Section 3. Cancellation, Curtailment or Rearrangement.....19Section 4. Travel Delay................................................................... 20Section 5. Missed Departure........................................................20Section 6. Personal Accident........................................................21Section 7. Personal Property.........................................................22Section 8. Money and Credit Cards........................................... 25Section 9. Loss of Passport/ Driving Licence Expenses....... 25Section 10. Hijack............................................................................ 26Section 11. Personal Liability....................................................... 26Section 12. Overseas Legal Advice & Expenses..................... 28Section 13. Pet Care....................................................................... 31Section 14. Winter Sports............................................................. 32

PART IV4.1 General Exclusions.................................................................334.2 General Conditions................................................................344.3 Claims Provisions................................................................... 354.4 Ending or changing Your cover.......................................... 374.5 Automatic ending of cover.................................................. 37

Complaints Procedures................................................................. 38Financial Services Ombudsman’s Bureau............................... 38Insurance Ireland............................................................................ 38

3SuperValu Travel Insurance

SuperValu Holiday Plus Travel Insurance

PLEASE NOTE: Terms in bold have the meanings given to them in theDefinitions Sections, which appear in Parts I and III of this Policy.

SuperValu travel insurance is underwritten by ACE European GroupLimited (ACE). This ACE Holiday Plus Travel Insurance Policy is onlyavailable if You already have Private Medical Insurance in forcecovering all Persons Insured under this Policy at the time of purchasingcover and continuously throughout the duration of any Holiday.

If You have any questions please call ACE on 1890 719 425 from withinIreland or +353 (0)1 440 2784 from outside Ireland or e-mail:[email protected]

This is Your Holiday Plus Travel Insurance Policy which, together withYour Policy Schedule and the information supplied in Your application,is a contract between You and ACE.

In return for payment of the premium, ACE agrees to insure You and, ifYou have asked ACE to, Your Partner and/or Children during thePeriod of Insurance in the manner and to the extent provided, andsubject to the Policy Terms, Conditions and Exclusions.

The Policy Schedule shows the cover You have chosen and the Policyshows the most ACE will pay for each benefit.

James DuncanAuthorised OfficialFor ACE European Group Limited

Introduction

4 SuperValu Travel Insurance

Advice for Travellers


Reciprocal Health Agreements

EEAIf You intend travelling to countries within theEuropean Economic Area (all EU countriesplus Iceland, Liechtenstein, and Norway) ACEadvises You to obtain a European HealthInsurance Card (EHIC) to take with You whenYou travel. For more information about theEHIC, contact Your local Post Office or theDepartment of Health:

Department of Health and ChildrenHawkins House, Hawkins StreetDublin 2IrelandTel: 01 6354001 www.dohc.ie

Further information can be obtained on thegovernment information websitehttp://www.citizensinformation.ie/en/ underthe section Travel and Recreation – TravelAbroad

AustraliaIf You intend travelling to Australia and Youare an Irish passport holder or otherwiseeligible, You MUST register with Medicare ifYou require medical treatment there. (Youcan do this on arrival or after You have hadtreatment. Some treatment charges may bepartially refunded by the Medicare schemeand You should try to make Your Claim whileYou are still in the country). If You do not,ACE may reject Your Claim or reduce theamount ACE pay You.

Rest of the WorldIf You are travelling to a country outside theEuropean Economic Area or Australia, Youmay also be able to Claim back some or all ofthe costs of any medical treatment Yourequire. Please contact the Department ofHealth (details above) to find out more.

Travel Advice Unit of the Department of Foreign AffairsThe Travel Advice Unit of the Department ofForeign Affairs and the World HealthOrganisation (WHO) periodically issueguidelines about locations around the worldand whether it is advisable to travel to, orwithin, such locations. The Insured Person isstrongly advised to contact the DFA’s beforetravelling. Their contact details are;

Department of Foreign Affairs 80 St. Stephens Green, Dublin 2 Telephone: (01) 4780822www.dfa.ie/home

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The information you provide

i. ACE fully accepts its responsibility toprotect the privacy of customers and theconfidentiality and security of informationentrusted to ACE.

ii. The information You provided when Youtook out Your Policy, together with otherinformation You provide at any later date,will be used by ACE and its groupcompanies to help them meet Your needsincluding supplying You with productsand services You have requested, initiallyor at any later date, supplying You withinformation about additional products andservices and improving their products andservices, and the operations of the WebSite. ACE may disclose Your informationto their service providers and agents forthese purposes as well as any agents Youhave appointed to act on Your behalf. Forthese purposes ACE may, if necessarytransfer Your information Abroad tocountries which do not have the samelevel of data protection as Ireland. If ACEdoes make such a transfer, ACE will takereasonable steps to ensure that Yourinformation is protected.

iii. The information You provided to us isprocessed by us to confirm Your identity,process Your application or request and torecord and cross reference particulars inthe event of claim in insurance industrydatabases for fraud prevention purposes.In certain cases, this may involve thesharing of Your information with otherinsurance providers, third parties toprocess and administer Your claim,

process Your payments or privateinvestigators. Guidelines for sharing ofinformation in this regard are contained ina Code of Practice on Data Protection forthe Insurance Sector which has beenapproved by the Data ProtectionCommissioner.

iv. Where You have provided informationabout another person in connection withthe purchase and performance of thisinsurance Policy You confirm that theyhave appointed You to act for them, thatthey have consented to the processing oftheir personal data, including sensitivepersonal data and they have consented tothe transfer of their information Abroad.You also agree to receive on their behalfany data protection notices from ACE.

ACE may:i. If You have given ACE permission, contactYou by mail, telephone or e-mail to letYou know about any goods services orpromotions that may be of interest to Youand/or share Your information withorganisations that are ACE’s businesspartners.

You have the right to withdraw Yourconsent at any time and have Your detailsremoved from future marketingprogrammes. It will help ACE if Youprovide Your full name, postal address,and insurance Policy. Please allow 40 daysif You wish to have Your name removedfrom marketing programmes for Yourrequest to become effective.


The information you provide

Please Phone 1890 719 425 or +353 (0)1 440 2784e-mail:[email protected] or You can write to:

The Customer Service ManagerSuperValu Travel InsuranceACE European Group Limited5 George’s DockInternational Financial Services CentreDublin 1

ii. Monitor and/or record Yourcommunication with them either itself orby reputable organisations selected byACE, to ensure consistent servicing levelsand account operation.

a) It may be necessary for You to provideadditional information includingsensitive personal data, for exampledetails relating to Your health, in orderthat ACE can assess and pay anyClaims.

b) ACE may only obtain this informationor ask third parties such asindependent medical examiners toobtain this information with Yourexpress prior consent. By submitting aClaim You are expressly consenting toACE obtaining and using suchinformation to enable ACE to assessand pay such Claim.

c) ACE will not disclose any Claimsdetails to any other third party withoutwritten permission from thePolicyholder and/or claimant.

d) ACE will keep information about Youonly for so long as it is appropriate.

e) In accordance with Your SubjectAccess rights, if You ask, ACE will tellYou what information ACE holdsabout You and provide it to You inaccordance with applicable law. Anyinformation which is found to beincorrect will be corrected promptly.

1.1 Definitions

The following words and phrases will alwayshave the same special meaning whereverthey appear in the Policy in bold type andstarting with a capital letter. AdditionalDefinitions appear in Sections 6, 7, 8 and 12.

€Euro(s)

Abroadoutside Ireland.

Accidenta sudden identifiable violent external eventthat happens by chance and which could notbe expected; or unavoidable exposure tosevere weather conditions.

ACE; ACE’sACE European Group Limited; of or pertainingto ACE European Group Limited.

ACE Assistancea) the telephone advice, information and

counselling services; and orb) the travel assistance and emergency

medical and repatriation services,arranged by ACE.

Cancellation Costscosts for unused travel and/oraccommodation (including ski hire, ski schooland ski lift passes if Winter Sports are shownas covered on the Policy Schedule) which aPerson Insured has paid or is contracted topay and which cannot be recovered from anyother source.

Child, ChildrenYour offspring and the offspring of YourPartner, extending to include a step child orchildren and a legally adopted child orchildren, each of whom must be:a) under 18 years old (or under 23 years old

if still in full-time education) on the dateYou purchase cover; and

b) dependent on You or Your Partner evenif he or she does not live with either ofYou; and

c) unmarried or living with a Partner.

Claim(s)single loss or a series of losses Due To onecause covered by this Policy.

Curtailment Costs1. a proportion of the costs for unused travel

and/or accommodation (including skihire, ski school and ski lift passes ifWinter Sports are shown as covered onthe Policy Schedule) which a PersonInsured has paid or is contracted to payand which cannot be recovered from anyother source. The amount paid will becalculated on a pro-rata basis for thenumber of days between the date aPerson Insured returns home, and his orher original planned return date.

2. reasonable additional travel andaccommodation costs necessarilyincurred in returning an Insured Personhome provided that:a) such travel is of a standard no greater

than the class of transport on theoutbound journey; and

b) the standard of accommodation isnot superior to that of the Holiday.

PART I



DoctorA doctor or specialist, registered or licenced topractise medicine under the laws of thecountry in which they practise who is neither:i. a Person Insured; orii. a relative of a Person Insuredunless approved by ACE.

Due Todirectly or indirectly caused by, arising orresulting from, in connection with.

EuropeAndorra, Austria, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Canary Islands, Croatia,Czech Republic, Denmark, Estonia, Finland,France, Germany, Greece, Hungary, Iceland,Ireland (annual cover only) Italy, Latvia,Liechtenstein, Lithuania, Luxembourg,Macedonia, Madeira, Mediterranean Islands(including Majorca, Menorca, Ibiza; Corsica;Sardinia; Sicily; Malta, Gozo; Crete, Rhodesand other Greek Islands; Northern andSouthern Cyprus), Moldova, Monaco,Morocco, Netherlands, Norway, Poland,Portugal, Romania, Russian Federation (Westof Urals), Serbia and Montenegro, Slovakia,Slovenia, Spain, Sweden, Switzerland, Tunisia,Turkey, Ukraine, and United Kingdom, Isle ofMan, the Channel Islands.

Albania, although in Europe, is excluded fromthis definition. If a Person Insured wishes tovisit Albania or is likely to travel outside thecountries specified they need ACE’sWorldwide cover.

Excessthe first €90 of any Claim which each PersonInsured must pay except for i. a loss of deposit only Claim when the

Excess is the first €10 of any Claim; or ii. a Claim for medical and additional

expenses in European Union countrieswhen there is no Excess where areduction is obtained using a EuropeanHealth Insurance Card

Hijackthe unlawful seizure or taking control of anaircraft or other means of transport in which aPerson Insured is travelling as a passenger.

Hijackersthe perpetrators of a Hijack.

Holiday, Holidaystrip(s) devoted entirely to pleasure, rest, orrelaxation, where travel begins and ends inIreland.

Immediate FamilyYour Partner or fiancé(e) or the grandchild,Child (including fostered and adoptedchildren), brother, sister, parent, grandparent,grandchild, step-brother, step-sister, step-parent, parent-in-law, son-in-law, daughter-in-law, sister-in-law, brother-in-law, aunt, uncle,nephew, niece of You or Your Partner, oranyone noted as next of kin on any legaldocument, all of whom must be resident inIreland.


Ireland; Irishthe island of Ireland and its islands exceptNorthern Ireland; of or pertaining to Ireland.

OSGOSG Travel Claims, Merrion Hall, Strand Road,Sandymount, Dublin 4

Parent or Legal Guardiana person with parental responsibility, or a legalguardian, both being in accordance with Irishlaw.

Partneri. Your spouse; orii. Your civil partner registered pursuant to

the Civil Partnership and Certain Rightsand Obligations of Cohabitants Act 2010;or

iii. Your cohabiting partner (as defined in theCivil Partnership and Certain Rights andObligations of Cohabitants Act 2010) i.e.an adult of the same or opposite sex whohas lived with You in an intimaterelationship for five years, or for two yearswhere there is a child or children of therelationship; or

iv. someone of either sex with whom youhave been living for at least three monthsas though they were your spouse or civilpartner.

Period of InsuranceFor annual multi-tripthe period of cover between and inclusive ofthe dates shown as Effective From: and To: onthe Policy Schedule commencing at 00.01 orany later time the Policy Schedule is issued onthe earlier date shown and finishing at 24.00on the later date shown.

For single trip cover:The period of cover commencing at 00.01 orany later time the Policy Schedule is issuedand ending either when You arrive at Yourreturn destination in Ireland, or at the end ofthe trip duration shown on Your PolicySchedule, whichever is sooner. Dates refer toLocal Standard Time at Your address as shownin the Policy Schedule.

Person(s) InsuredYou, Your Partner and Children if they areshown as insured on the Policy Schedule.

Private Medical Insurancea health insurance contract as defined in theIrish Health Insurance Acts, underwritten byeither the Voluntary Health Insurance Board,Aviva Health, Laya Healthcare or Glo Health,which incorporates cover for medical expensesAbroad and is shown in the Policy Schedule.

Public Conveyancean air land or water vehicle operated underlicence for the transportation of fare-payingpassengers

Rearrangement Costsreasonable travel and accommodation costsnecessarily incurred in rearranging a Holidayprovided that:i. no claim has been made or will be made

for Cancellation Costs or CurtailmentCosts;

ii. travel is of a standard no greater than theclass of transport originally booked; and


iii. the standard of accommodation is notsuperior to that originally booked

iv. the total amount payable will not exceedthe cost of the original Holiday

v. The rearranged Holiday must be bookedand fully paid no later than 6 months afterthe date of commencement of the originalHoliday.

Specially Designated Listmeans names of a person, entities, groups,corporate specified on a list who are subjectto as trade or economic sanctions or othersuch similar laws or regulations of the UnitedStates of America , United Nations, EuropeanUnion or United Kingdom.

Total Underlying Limitthe maximum policy limit in respect ofmedical expenses Abroad under a PersonInsured’s Private Medical Insurance.

Travelling CompanionsFriends, associates or companionsaccompanying You on a Holiday.

Wararmed conflict between nations, invasion, actof foreign enemy, civil war, military or usurpedpower.

Winter Sportsskiing (including skiing outside the area of thenormal compacted snow or ski slope, i.e. off-piste), tobogganing, snow boarding and iceskating (other than on an indoor rink) butexcluding competitive winter sports (including,but not limited to, ski or ski bob racing, monoskiing, ski jumping, ski boarding, ice hockey orthe use of bobsleighs or skeletons).

You; Your the Policyholder shown in the Policy Schedule;of or pertaining to the Policyholder shown inthe Policy Schedule.

1.2 Holidays Covered

The type of Policy You have chosen, single tripor annual multi-trip, is shown on the PolicySchedule.

A. Single trip PolicyA single trip Policy covers a HolidayAbroad only, during the Period ofInsurance. Winter Sports cover isincluded if shown as covered on the PolicySchedule.

B. Annual multi-trip PolicyAn annual multi-trip Policy covers allHolidays during the Period of Insuranceprovided they meet the followingconditions:i. no individual Holiday Abroad

continues for more than 30consecutive days; and

ii. no more than 90 days in total arespent on Holidays Abroad in anyPeriod of Insurance; and

iii. each Holiday in Ireland includes atleast 2 nights spent inaccommodation that is booked beforethe Holiday begins.

Up to 21 days Winter Sports cover isincluded in any Period of Insurance, ifshown as covered on the Policy Schedule.


1.3 Persons Insured

There is no cover under the Policy unless all ofthe following conditions are met:

A. each Person Insured must bei. a resident of Ireland

resident in Ireland for a minimum of180 days per calendar year;

ii. under 75aged under 75 years on the date Youpurchase cover;

iii. a member of Private MedicalInsuranceinsured under current Private MedicalInsurance at the time this Policy wasapplied for and which remainscontinuously in force throughout theduration of any Holiday.

B. Children travelling without You or YourPartner will only be insured under afamily annual multi-trip Policy, and thenonly if they are travelling:i. in the company of an adult (i.e.

someone not defined as a Childunder this Policy) You or Your Partnerknow (other than on an organisedschool, college or university trip); or

ii. as an unaccompanied minor on ascheduled air service which operatesan unaccompanied minor scheme,and then only if they are travellingwith the intention of joining, or beingsubsequently joined by, another adultinsured under this Policy.

1.4 When cover operates for aHoliday

i. Insurance cover for Cancellation underPart III Section 1 – Cancellation,Curtailment and Rearrangement beginswhen a Holiday is booked, if this Policy isin force at the time of booking, or whenYou purchase this Policy.

ii. Insurance under all other Sectionsoperates for a Holiday that takes placeduring the Period of Insurance andincludes travel directly to and from thehome of each Person Insured providedthe return home is completed within 24hours of:a) return to Ireland; orb) departure from pre-booked

accommodation following a Holidaywithin Ireland which is covered underan annual multi-trip Policy.

iii. If the return of a Person Insured from aHoliday is unavoidably delayed Due To aClaim, he or she will continue to beinsured without any additional premiumfor the period of the delay.

iv. If there is a change to this Policy it willbegin on the Effective From date shownon the subsequent Policy Schedule that isissued to record the change in cover.

1.5 Claims Conditions

ACE has the right to refuse to pay any Claimif:i. at the time You applied for this Policy, you

were unable to make the statements weasked you to make, and which appear inYour Policy Schedule under the Sectionentitled “Your declaration to us”; or

ii. the Claim is Due to any reason specifiedas not being covered in Your PolicySchedule under the Section entitled “Yourdeclaration to us”.


1.6 Making a Claim

Type of ClaimA. Medical Expenses only

Please make sure that You and eachPerson Insured ALWAYS take the contactdetails of the MEDICAL EMERGENCYSERVICE provided by the Private MedicalInsurance provider.

Should a Person Insured incur medicalexpenses, be admitted to hospital Abroador be repatriated to Ireland on medicalgrounds, he or she must in the firstinstance follow the procedures appropriateto their Private Medical Insurance.

If You or any other Person Insured thinksthe Total Underlying Limit may beexceeded please give the Private MedicalInsurance provider details of this Policy, inorder that they may pass details to ACEand ACE’s agents or affiliates, so that ACEcan take over the Claim.

In the event that a Person Insured incursmedical expenses exceeding 50% of theTotal Underlying Limit; the PersonInsured, a travelling companion or theservice provider (hospital) must contactSuperValu Travel Insurance Claims asfollows:

9.00 a.m. to 5.00 p.m. Monday to Fridayinclusive:Telephone: 1890 719 425 or +353 (0)1 440 2784Fax: +353(0) 1 661 5249e-mail:[email protected]

SuperValu Travel Insurance ClaimsOSG Merrion HallStrand RoadSandymountDublin 4

B. Other ClaimsPhone 1890 719 425 or +353 (0)1 440 2784Fax +353(0) 1 661 5249e-mail: [email protected]

To make a Claim please phone or write toSuperValu travel claims within thirty days ofthe incident, or as soon as possible afterwardsand provide Your name, address and Policynumber.

We do not recommend you send financial orpersonal sensitive details via email as it maynot be secure whilst in the public domain.

CLAIM FORMS: You can print off and use aclaim form from SuperValu's Web Site atwww.SuperValutravelinsurance.ie

Reporting Lost or Stolen PropertyType of lost or stolen propertyi. Money, Valuables or Personal PropertyYou must notify the local Police within 24hours of discovery and provide ACE with acopy of their written report

ii. travellers’ chequesYou must notify the local branch or agentof the issuing company

iii. any property lost or stolen from a hotelYou must notify the hotel management (inaddition to the local Police)

1.7 Annual Declaration

Prior to each Anniversary Date, ACE willrequest You to confirm Your agreement to aset of statements similar to those confirmedby You when You applied for this insurance. IfYou are unable to confirm these statementsYou must contact ACE. If You do not, this mayaffect Your cover or Your entitlement to Claimunder this Policy.

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PART II

ACE Assistance

i. MEDICAL EMERGENCY AND REFERRAL andii. PERSONAL ASSISTANCE SERVICES

PHONE: +353 (0)1 440 2780

This policy provides cover only in excess ofYour private medical insurance.

If a Person Insured requires medicalattention or incurs medical expenses Abroad,the Person Insured must first follow theclaims procedures specified by his or herPrivate Medical Insurance provider.

He or she should also notify the PrivateMedical Insurance provider of the existenceof this policy.

The following assistance services will beavailable insofar as they are not provided bythe Private Medical Insurance provider.

i. Medical Emergency and ReferralServicesACE Assistance will provide a PersonInsured with the following services, in anemergency, when he or she is on HolidayAbroad.

a) Medical referralprovision of the names and addressesof local Doctors, hospitals, clinics anddentists when consultation ortreatment is required, arrangementsfor a Doctor to call, and, if necessary,for a Person Insured to be admittedto hospital.

b) Repatriationif the Doctor appointed by ACEAssistance believes treatment inIreland is preferable, transfer will bearranged by regular scheduledtransport services, or by air or roadambulance services if more urgenttreatment and/or specialist care isrequired during the Holiday.

c) Payment of BillsIf a Person Insured is admitted tohospital Abroad, the hospital orattending Doctor will be contactedand payment of their fees up to thepolicy limit will be guaranteed so thatthe Person Insured does not have tomake the payment form their ownfunds.

d) Drug Replacement assistance with the following:i. replacement of lost drugs or other

essential medication; orii. lost or broken prescription glasses

or contact lenses, which areunobtainable Abroad

iii. sourcing and delivery ofcompatible blood supplies

ACE Assistance will not pay for thereplacement costs of any item or thecosts of sourcing and delivering bloodsupplies.

e) Transmission of urgent Messagesto relatives or business associates


f) Unsupervised ChildrenI. organisation of an accompanyingChild’s return home, with asuitable escort when necessary, ifthe Child is left unsupervisedbecause You or Your Partner (ifshown as insured on the PolicySchedule) are hospitalised orincapacitated.

II. medical advice and monitoring,until You or Your Partner returnhome, if a Child who has beenleft in Ireland becomes ill orsuffers injury.

ii. Non-insured Facilitation ServicesACE Assistance will provide a PersonInsured with the following services, in anemergency, when he or she is on HolidayAbroad.

The Person Insured will be responsiblefor paying fees and charges for non-insured facilitation services provided e.g.the Person Insured will be responsiblefor paying a translator for his or herservices but they will not be charged byACE Assistance for locating thetranslation service.

a) Transfer of Emergency Fundstransfer of emergency funds up to€250 per trip if access to normalfinancial/ banking arrangements isnot available locally.

In order to reimburse ACE Assistancethe Person Insured must authoriseACE Assistance to debit his or hercredit or charge card with the amountof the transfer, or make alternativearrangements to deposit the funds inACE Assistance’s account in theUnited Kingdom.

If the emergency transfer isnecessitated by theft or loss ofpersonal money, a Claim may bemade under the Policy.

b) Message Relaytransmission of urgent messages torelatives or business associates ifmedical or travel problems disrupt aHoliday travel schedule.

c) Tracing Personal Propertytracing and re-delivery of PersonalProperty that has been lost ormisdirected in transit if the Carrier hasfailed to resolve the problem.

(PLEASE NOTE: the Person Insuredmust have their Personal Propertytag number available.)

d) Replacement Travel Documentsassistance with the replacement oflost or stolen tickets and traveldocuments, and referral to suitabletravel offices. ACE Assistance will notpay for any item.


e) Lost Credit Cardsgiving advice on how to contact theappropriate Card Issuers if credit orcharge cards are lost or stolen. DataProtection legislation prevents ACEAssistance from contacting the CardIssuers directly.

f) Emergency Translation Facility translation service if the local providerof an assistance service does notspeak English.

g) Legal Helpreferral to a local English-speakingLawyer, Embassy or Consulate if legaladvice is needed, and arrangement ofpayment of reasonable emergencylegal expenses or bail, against aguarantee of repayment.


PART III

SECTION 1. Medical andAdditional Expenses(Maximum amount payable per PersonInsured - €5,000,000)

Cover under this Section applies only toHolidays Abroad.

See Part II for services provided by ACEAssistance which are relevant to this Section.

NB: iii. If a Person Insured requires medical

attention or incurs medical expensesAbroad, the Person Insured must followthe claims procedures specified by his orher Private Medical Insurance provider.He or she should also notify the PrivateMedical Insurance provider about thisPolicy.

iv. Should a Person Insured incur medicalexpenses exceeding 50% of the TotalUnderlying Limit of his or her PrivateMedical Insurance, he or she must notifyOSG.

v. If a Person Insured is medically fit to berepatriated, cover under this Section willcease 3 days after the date the PersonInsured becomes fit to be repatriated.

A Person Insured must contact ACEAssistance before incurring any costs coveredunder this Section.

IMPORTANT: THIS IS NOT PRIVATE MEDICALINSURANCE. PLEASE REFER TO THE DETAILSPROVIDED UNDER THE HEADING‘RECIPROCAL HEALTH AGREEMENTS’ AT THEBEGINNING OF THIS POLICY.

IF YOU REQUIRE MEDICAL TREATMENT YOUMUST CONTACT ACE ASSISTANCEIMMEDIATELY AND BEFORE INCURRINGANY COSTS COVERED UNDER THIS SECTION.IF YOU DO NOT DO THIS, ACE MAY REJECTYOUR CLAIM OR REDUCE ITS PAYMENT.

A. CoverIf a Person Insured is injured or becomes ill(including becoming ill Due To complicationsin pregnancy (as diagnosed by a doctor orspecialist in obstetrics) provided that iftravelling within 12 weeks of the expecteddate of delivery they provide a medicalcertificate issued by a doctor or midwifeconfirming the number of weeks of pregnancyand that their are fit to travel to their HolidayAbroad. The certificate must be dated noearlier than 5 days before the outbound traveldate) during a Holiday Abroad,

ACE will pay:i. for medical (excluding dental),

repatriation or travel expenses he or sheincurs, within 12 months of incurring thefirst expense including optical expenses

ii. dental expenses he or she receives for therelief of pain only Medical expenses mustbe for necessary hospital, surgical or otherdiagnostic treatment, given or prescribedby a Doctor, and include charges forstaying in a hospital or nursing home.

Repatriation must be:a) authorized by ACE Assistance;b) necessary on medical grounds; andc) to Ireland.

4


iii. costs for additional travel and hotelexpenses including those for any oneother person if a Person Insured has tobe accompanied on medical advice or aChild needs to be escorted home;

iv. if a Person Insured dies, up to €7,000:a) for cremation or burial charges in the

country in which he or she died; orb) to transport his or her body or ashes

back to Ireland.

B. Exclusions(General Exclusions apply as well)ACE will not pay:i. any amount recovered under a reciprocal

health agreement with any country;ii. for any treatment not confirmed as

medically necessary;iii. any expenses incurred in the PersonInsured’s country of residence;

iv. any additional travelling expenses notauthorised by ACE Assistance if a PersonInsured has to return home earlier thanplanned or be repatriated from a Holiday;

v. for medical treatment that a PersonInsured travelled Abroad to obtain;

vi. for medication a Person Insured is takingbefore and which he or she will have tocontinue taking during a Holiday;

vii. for surgery, medical, dental or preventativetreatment which can be delayed in theopinion of the Doctor treating a PersonInsured until he or she returns to Ireland;

viii. for dental expenses other than for therelief of pain only;

ix. any additional costs for single or privateroom accommodation;

x. any expenses incurred due to a tropicaldisease where the Person Insured hasnot had the vaccinations or taken themedication appropriate and customary forthe country being visited, unless they havewritten confirmation from a Doctor thatthey should not be vaccinated or take themedicine on medical grounds;

xi. additional travel and hotel expensesincurred which have not been authorizedin advance by ACE Assistance;

xii. cremation or burial Costs in Ireland;xiii. the Excess, except where the PersonInsured has obtained a reduction in thecost of medical expenses in EuropeanUnion countries by using a EuropeanHealth Insurance Card.

NOTES: All original receipts must be kept andprovided to support a Claim.

SECTION 2. Hospital Benefit(Maximum benefit €400 per Person Insured)

A. CoverIf a Person Insured is a hospital in-patientduring a Holiday and has a Claim under hisor her Private Medical Insurance or Part IIISection 1 MEDICAL AND ADDITIONALEXPENSES, ACE will pay a benefit of €20 foreach full 24 hours he or she spends inhospital up to a maximum of €400 for eachHoliday.

B. Exclusions (General Exclusions apply as well)

ACE will not pay for any time spent in aninstitution not recognised as a hospital in thecountry of treatment.


SECTION 3. Cancellation,Curtailment or Rearrangement(Maximum payable €3,000 per PersonInsured)

A. Cover

complications in pregnancy (as diagnosedby a doctor or specialist in obstetrics) ofYou or or Your Immediate Family,

ii. the compulsory quarantine, on the ordersof a treating Doctor, of Persons Insuredor Travelling Companions

provided that such cancellation, curtailmentor rearrangement is confirmed as medicallynecessary by a Doctor;iii. a Public Conveyance being cancelled or

curtailed because of adverse weather,industrial action, or mechanicalbreakdown or derangement;

iii. the compulsory quarantine, jury service orsubpoena of a Person Insured orhijacking of the conveyance in which heor she is travelling;

iv. unemployment of a Person Insuredwhich qualifies for payment under anyapplicable statute;

v. serious damage making a PersonInsured’s home uninhabitable; or

vi. the presence of a Person Insured beingrequired by the Police following a burglaryor attempted burglary at his or her home.


ACE will not pay:i. Cancellation, Curtailment or

Rearrangement Costs where suchcancellation, curtailment orrearrangement has not been confirmed asmedically necessary by a Doctor;

ii. Cancellation, Curtailment orRearrangement Costs where suchcancellation, curtailment orrearrangement results from a medicalcondition affecting You or YourImmediate Family if:a. the condition was diagnosed before

you bought this Policy; and b. at the time you bought this Policy, the

diagnosed condition could reasonablyhave been expected to result in i) death, serious injury or sudden

illness;ii) or a sudden deterioration in

health.Note: This exclusion applies toimmediate family even if they are notinsured on the policy.

iii. if a strike or industrial action is publicknowledge when this Policy is taken outor a Holiday is booked;

iv. if an aircraft, sea vessel or train iswithdrawn from service on the orders ofthe recognised regulatory authority in anycountry;

v. if a Person Insured is called as an expertwitness or if his or her occupation wouldnormally require a Court attendance;

vi. if a Person Insured was unemployed orknew they might become unemployed atthe time a booking was made;

vii. if any other adverse financial situationnecessitates cancellation, curtailment orrearrangement of a Holiday;

viii. the Excess;ix. any loss, charge or expense Due To:

a) a delay in notifying the tour operator,travel agent, or transport oraccommodation provider that it isnecessary to cancel a booking;

b) disinclination to go on a Holiday; orc) prohibitive regulations by any

government or public authority of anycountry;

x. a charge or expense paid for or to bedischarged with any kind of promotionalvoucher;

ACE will pay either Cancellation, orCurtailment or Rearrangement Costs up to€3,000 if it becomes necessary to cancel,curtail or rearrange a Holiday Due To:i. the death, serious injury, sudden illness,


xi. if You, or any other Person Insured, wereaware of any reason, either at the time aHoliday was booked or at the time Youpurchased this Policy, why that Holidaymight have to be cancelled;

xii. if a trip is cancelled as the result ofregulations made by any government orpublic authority.

SECTION 4. Travel Delay(Maximum payable €150/€3,000 per PersonInsured)


A. CoverIf a Person Insured is delayed for at least 12hours on the outbound or return journeybecause the scheduled departure of a PublicConveyance is affected by a strike, industrialaction, adverse weather, mechanicalbreakdown/derangement, or grounding of anaircraft due to mechanical or structural defect,ACE will pay:i. a €20 benefit for the first full 12 hours

delay and a €10 benefit for eachsubsequent full 12 hours delay up to amaximum benefit of €150; or


ACE will not pay:i. the Excess if a Holiday is abandoned; ii. if a Person Insured does not:

a) check-in before the scheduleddeparture time shown on his or hertravel itinerary; or

b) provide ACE with written details from

the airline, shipping company, coachor train operators describing thelength of, and reason for, the delay;

iii. if an aircraft, sea vessel, coach or train istaken out of service on the instructions ofa Civil Aviation Authority, Port Authority orsimilar authority;

iv. if a strike or industrial action could bereasonably expected when a Holiday isbooked;

v. a charge or expense paid for or to bedischarged with any kind of promotionalvoucher.

SECTION 5. Missed Departure(Maximum payable €500 per PersonInsured)


A. CoverACE will pay up to €500 for necessary andreasonable accommodation and travelexpenses to enable a Person Insured to reachhis or her scheduled destination if he or shearrives too late at the airport, sea port, coachor train station to commence a bookedjourney from or to Ireland Due To:i. the car he or she is using for travel

breaking down or being involved in anAccident; or

ii. the Public Conveyance he or she is usingfor travel failing to arrive on schedule.


ACE will not pay:i. accommodation and travel expenses

where the means of transport and/oraccommodation used is of a standardsuperior to that of the booked journey orHoliday;

ii. if the Person Insured does not provide

ii. up to €3,000 for Cancellation, Curtailmentor Rearrangement Costs if a Holiday isabandoned after a delay of at least 24hours of the scheduled departure from Ireland.


original written:a) evidence from a motoring organisation

or garage that the car used for travel isroadworthy and properly maintained;or

b) details from the operators of publictransport used for travel of the lengthof, and reason for, the delay;

SECTION 6. Personal Accident(Maximum payable €30,000 per PersonInsured)

DEFINITIONSThe following words and phrases will have thesame special meaning in this Section whereverthey appear in bold italic type and commencewith a capital letter. Additional Definitionsappear in specific Sections and GeneralDefinitions apply as well.

Bodily Injuryphysical injury that is caused by an Accidentand within 24 months directly results in death,Loss of Sight, Loss of Limb or PermanentTotal Disability.

Loss of Limbamputation or total and permanent loss of useof one or more hands at or above the wrist orof one or more feet above the ankle (talo-tibial joint).

Loss of Sighti) in both eyes when the Person Insured’s

name has been added to the NCBI registerof Blind Persons on the authority of aqualified ophthalmic specialist.

ii) in one eye when the degree of sightremaining after correction is 3/60 or lesson the Snellen Scale (which means thePerson Insured is only able to see at 3feet that which they should normally beable to see at 60 feet) and ACE is satisfiedthat the condition is permanent andwithout expectation of recovery.)

Permanent Total Disabilitya disability which has lasted for at least 12months from which ACE believe the PersonInsured will never recover and which stopsthe Person Insured from carrying out gainfulemployment for which that Person Insured isfitted by way of training, education orexperience.

A. CoverIf a Person Insured receives a Bodily Injuryduring a Holiday ACE will pay up to:i. €30,000 for death; orii. €30,000 for Loss of Sight or Loss of

Limb; oriii. €30,000 for Permanent Total Disability.


ACE will not pay:i. more than €2,500 if the Person Insured is

under 16 years of age at the time of theBodily Injury;

ii. more than one benefit for the sameBodily Injury;

iii. any benefit for Permanent TotalDisablement if the Person Insured isretired from gainful employment andreceiving a pension of any kind;

iv. if death, loss or disability is Due To diseaseor any physical defect, injury or illnesswhich existed before the Holiday;

4


SECTION 7. Personal Property(Maximum payable per Person Insured -Personal Property €1,500; Mobility Aids€500, Essential purchases €100, Mobility Aidhire €500, Essential medication courier costs€300).


DEFINITIONSThe following words and phrases will have thesame special meaning in this Section whereverthey appear in bold italic type and commencewith a capital letter. Additional Definitionsappear in specific Sections and GeneralDefinitions apply as well.

Mobility Aid/Mobility AidsAny crutch, walking stick, walking frame,wheeled walking frame, walking trolley,evacuation chair, wheelchair, poweredwheelchair or mobility scooter constructedspecifically to aid persons suffering fromrestricted mobility but excluding any golfbuggy or golf trolley or any item covered underPersonal Property.

Personal Property any suitcase, trunk or container of a similarkind and its contents, and any article worn orcarried by a Person Insured which is not aMobility Aid not excluded under B.Exclusions.

Repair and Replacement Coststhe cost of repairing partially damagedproperty, or, if property is totally lost ordestroyed or uneconomical to repair, the costof replacing property as new less a deductionfor wear, tear or depreciation.

(NOTE: ACE will pay a reasonable proportionof the total value of a set or pair to repair orreplace an item that is part of a set or pair.)

Valuables cameras and other photographic equipment,telescopes and binoculars, Audio/Videoequipment, (including radios, cassette/compact disc players, Ipods, mp3 and mp4players, camcorders, , DVD, video, televisionsand other similar music and video players,mobile phones, satellite navigation equipment,computers and computer equipment,(including PDA’s, personal organizers, laptops,Ipads, notebooks, netbooks and the like),computer games equipment (includingconsoles, games and peripherals), jewellery,watches, furs, precious and semi-preciousstones and articles made of or containing gold,silver or other precious metals.

A. Coveri. If Personal Property is lost, damaged or

stolen during a Holiday, ACE will payRepair and Replacement Costs up to€1,500 and /or

ii. if any Mobility Aid owned by the PersonInsured or for which they are responsible,necessarily taken by the Person Insuredon Holiday or hired by or loaned to thePerson Insured whilst on Holiday, is lost,damaged or stolen during such HolidayACE will pay up to €500.

iii. ACE will also reimburse :a) the cost of essential items of clothing

and toiletries up to €200 that aPerson Insured has to purchasebecause Personal Property is lost ormisplaced for at least 12 hours by anairline or other Carrier;

b) reasonable and necessary costs up to€500, incurred by:i) a Person Insured during aHoliday, in hiring, Mobility Aids;and/or

ii) ACE Assistance in courieringMobility Aids to the PersonInsured to replace those taken bythem on Holiday and which havebeen:


• misplaced for at least 12hours by an airline or otherCarrier.

• suffered loss or damageinsured under Cover ii. of thisSection;

c) reasonable and necessary costs up to€300, incurred by ACE Assistance tocourier essential medication,dentures, hearing aids, prescriptionglasses, contact or corneal lenses tothe Person Insured;i) to replace those taken by thePerson Insured on Holiday andwhich have: • been misplaced for at least 12

hours by an airline or otherCarrier.

• otherwise lost or damagedduring the Holiday;

ii. following discovery by the PersonInsured that they accidentallyomitted to take them on Holiday.


i. ACE will not pay a) the Excess; b) more than €250 for a single item, pair

or set, or part of a pair or set;c) more than €250 for golf clubs, bags

and accessories;d) more than €250 for Valuables in total

and will only pay if the Valuables areattended by a Person Insured or arein a safety deposit box at the timethey are lost, damaged or stolen;

e) for any items stolen from anunattended vehicle unless they werein the locked boot of the vehicle or inthe luggage space at the rear of alocked estate car or hatchback undera top cover and out of view, and thereis evidence of forced entry;

f) unless a loss or theft is reported tothe Police (and the hotelmanagement if the loss or theft occursin a hotel) within 24 hours ofdiscovery and ACE is provided with acopy of the original written Policereport and report to the hotelmanagement as applicable;

g) for loss, theft or damage to: i) Personal Property more

specifically insured or recoverableunder any other insurance policy;

ii) Personal Property leftunattended in a public place

iii) Personal Property stolen from anunattended vehicle unless theywere in the locked boot of thevehicle or in the luggage space atthe rear of a locked estate car orhatchback under a top cover andout of view, and there is evidenceof forced entry;

iv) Personal Property in the custodyof an airline or other Carrierunless the loss or damage is


reported in writing to the airlineor other Carrier within 24 hoursof discovery and ACE is providedwith a copy of the original writtenairline or Carrier report;

v) Personal Property Due Toleaking powder or fluid carriedwithin the Person Insured’sluggage

vi) household goods, samples ormerchandise, bonds, securities ordocuments of any kind; or

vii) dentures, hearing aids,prescription glasses, sunglasses,prescription sunglasses contact orcorneal lenses (except asdescribed in A iii c),

viii) antiques, musical instruments,pictures, typewriters, portabletelephones, any computerequipment not defined underValuables (including but notlimited to PDAs, personalorganisers, laptops and electronicnavigation equipment),televisions, sports equipmentwhilst being used (except forWinter Sports equipment ifWinter Sports cover is shown ascovered on the Policy Schedule),vehicles or their accessories,watercraft and ancillaryequipment, glass, china or similarfragile items and pedal cycles;

ix) any mobility scooter caused bytheft or attempted theft ormalicious persons, whilst leftunattended unless, it has beenlocked in a secure room or, anykey required to operate themobility scooter has beenremoved and any manufacturerssecurity devices employed or, it isotherwise secured fromunauthorised removal;

x) Mobility scooter tyres and/oraccessories unless the Mobilityscooter is damaged at the sametime.

xi) Hired Mobility Aids unless theircondition has been inspectedprior to hire and any defectsnoted.

h) for depreciation in value, normal wearand tear, denting or scratching,damage by moth or vermin, electrical,electronic or mechanicalderangement, or damage due toatmospheric or climatic conditions;

i) for delay, detention, seizure orconfiscation by customs or otherofficials.

ii. ACE will not pay any Claim wherea) Personal Property, Mobility Aids

essential medication, dentures,hearing aids, prescription glasses,contact or corneal lenses have beenlost or misplaced by an airline orother Carrier unless ACE is providedwith original written confirmationfrom such airline or other carrier orthe tour representative that weredelayed for at least 12 hours after thePerson Insured arrived at his or herdestination;

b) Mobility Aids have been lost ordamaged unless such loss or damageis insured under Cover ii of thissection and the Person Insured hascomplied fully with the relevant termsand conditions of cover;

c) Personal Property, Mobility Aids,essential medication, dentures,hearing aids, prescription glasses,contact or corneal lenses, have beenlost or misplaced on a journeyreturning a Person Insured toIreland.


SECTION 8. Money and CreditCards(Maximum payable €500 per Person Insured)


DEFINITIONSThe following word will have the same specialmeaning in this Section wherever it appears inbold italic type and commences with a capitalletter. Additional Definitions appear in specificSections and General Definitions apply as well.

Moneycoins, banknotes, traveller’s cheques, postal ormoney orders, travel tickets, pre-paid vouchersand non-refundable pre paid entry tickets.

Credit Cardcredit, charge, cheque, bankers or cashdispenser card.

A. CoverACE will pay i. up to €500 if Money which is held by aPerson Insured for his or her personal useis lost or stolen during a Holiday whilst a) being carried by a Person Insured; orb) left in a safety deposit box.or

ii. up to €500 if a Person Insured sustainsfinancial loss directly as a result of a CreditCard, being lost or stolen during a Holidayand subsequently being used fraudulentlyby any person other than:a) a member of the Person Insured’s

family; orb) the Person Insured’s employer where

the card is issued on the PersonInsured’s behalf;

- provided that the Person Insured hasfully complied with all the terms andconditions under which such Credit Cardhas been issued.


ACE will not pay:i. the Excess;ii. more than €50 if the carrier is under 16

years old;iii. for delay, detention, seizure or confiscation

by customs or other officials;iv. unless a loss or theft is reported to the

Police (and the hotel management if theloss or theft occurs in a hotel) within 24hours of discovery and ACE is providedwith a copy of the original written Policereport and report to the hotelmanagement as applicable;

v. for traveller’s cheques: a) unless the loss or theft is reported

immediately to the local branch oragent of the issuing company; or

b) if the issuing company provides areplacement service;

vi. for depreciation in value or shortage dueto any error or omission;.

vii. for loss of a Credit Card unless thePerson Insured complies with theconditions of the issuing company.

SECTION 9. Loss of Passport/Driving Licence Expenses(Maximum benefit €500 per Person Insured)

See Part II for services provided by ACEAssistance which are relevant to this Section

A. CoverACE will pay up to €500 to cover:i. the cost of obtaining any temporary

replacement travel documents required toenable a Person Insured to return toIreland, including any additional traveland accommodation costs incurred by oron behalf of the Person Insured during a


Holiday; and ii. the replacement passport or driving

licence fee payable.following the loss or theft of his or heroriginal documents during a Holiday.


ACE will not pay:i. for delay, detention, seizure or

confiscation by customs or other officials;ii. unless a loss or theft is reported to the

Police (and the hotel management if theloss or theft occurs in a hotel) within 24hours of discovery and ACE is providedwith a copy of the original written Policereport and report to the hotelmanagement as applicable;

iii. for a passport or driving licence stolenfrom an unattended vehicle unless it wasin the locked boot of the vehicle or in theluggage space at the rear of a lockedestate car or hatchback under a top coverand out of view, and there is evidence offorced entry.

SECTION 10. Hijack(Maximum benefit €500 per Person Insured)

Cover under this Section applies only toHolidays Abroad

A. CoverIf a Person Insured is held hostage byHijackers during a Holiday, ACE will pay abenefit of €50 for each full 24 hours he orshe is held hostage up to a maximum benefitof €500 for each Holiday.

B. Exclusions (See General Exclusions)

SECTION 11. Personal Liability(Limit of Liability €2,500,000 per PersonInsured)


A. CoverACE will indemnify a Person Insured againstall sums which he or she is legally liable topay as damages in respect of: i. accidental bodily injury (including death

illness or disease) to any person;ii. accidental loss of or damage to material

property; which occurs during the Period of Insurancearising out of the Holiday.

The maximum that ACE will pay under thisSection for all damages as a result of any oneoccurrence or series of occurrences arisingdirectly or indirectly from one source ororiginal cause shall be €2,500,000 (hereaftercalled the Limit of Liability).

ACE will in addition pay Costs and Expenses.


Costs and Expenses shall mean:i. all costs and expenses recoverable by a

claimant from a Person Insured;ii. all costs and expenses incurred with the

written consent of ACE;iii. solicitors’ fees for representation at any

coroner’s inquest or fatal Accident inquiryor in any Court of Summary Jurisdiction;

in respect of any occurrence to which thisSection applies - except that in respect ofoccurrences happening in or claims or legalproceedings brought or originating in theUnited States of America and Canada or anyother territory within the jurisdiction of eithersuch country, Costs and Expenses describedin i., ii. and iii. above are deemed to beincluded in the Limit of Liability.

B. Exclusions(General Exclusions apply as well)ACE will not provide indemnity for anyliability:i. in respect of bodily injury to any person

who is: a. under a contract of service with aPerson Insured when such injuryarises out of and in the course of theiremployment by the Person Insured;

b. A member of the Person Insured’sfamily.

ii. in respect of loss of or damage toproperty in the care custody or control ofa Person Insured.However this Exclusion shall not apply inrespect of loss of or damage to buildingsand their contents not belonging to buttemporarily occupied by a PersonInsured in the course of the Holiday.

iii. liability in respect of bodily injury loss ordamage caused directly or indirectly inconnection with ownership, possession ofor use by the Person Insured of: a. mechanically propelled vehicles(other

than golf buggies used on golf course

and not on public roads); orb. aircraft, hovercraft or watercraft (other

than manually propelled watercraftless than 30 feet in length used oninland waters);

c. firearms (other than sporting guns);iv. liability in respect of bodily injury loss or

damage caused directly or indirectly inconnection with:a. the ownership, possession or use of

land or building other than anybuilding temporarily occupied by aPerson Insured in the course of aHoliday; or

b. any wilful or malicious act; or c. the carrying on of any trade business

or profession;d. activities or volunteer work organised

by, or under the auspices of, acharitable, voluntary, not for profit,social or similar organisation whenliability for such activities or workshould reasonably be included withinthe organisation's own Public Liabilitypolicy.

v. any liability assumed by the PersonInsured under any contract or agreementunless such liability would have attachedin the absence of such contract oragreement;

vi. punitive or exemplary damages;

C. Conditions applying to this Sectioni. no admission, offer, promise or indemnity

shall be made without the consent of ACEwhich shall be entitled to take over andconduct in the Person Insured’s namethe defence or settlement of any claim orto prosecute in the Person Insured’sname for its own benefit any claim forindemnity or damages or otherwise andshall have full discretion in the conduct ofany proceedings and in the settlement ofany claim and the Person Insured shall


give all information and assistance as ACEmay require. Every letter, claim, writ,summons and process shall be forwardedto ACE on receipt. Written notice shall begiven to ACE immediately the PersonInsured shall have notice of anyprosecution or inquest in connection withany circumstances which may give rise toliability under this Section.

ii. ACE may at any time pay to the PersonInsured in connection with any claim orseries of claims the Limit of Liability forthis Section (after deduction of any sum(s)already paid as compensation) or anylesser amount for which such claim(s) canbe settled and upon such payment beingmade ACE shall relinquish the conductand control of and be under no furtherliability in connection with such claim(s)except for the payment of costs andexpenses recoverable or incurred prior tothe date of such payment.

iii. the Person Insured shall as though theywere the Insured observe, fulfil and besubject to the terms, Exclusions andProvisions of this Section.

SECTION 12. Overseas LegalAdvice & Expenses(Maximum payable €30,000 per PersonInsured)



DEFINITIONSThe following words and phrases will have thesame special meaning in this Sectionwherever they appear in bold italic type andcommence with a capital letter. AdditionalDefinitions appear in specific Sections andGeneral Definitions apply as well.Legal Expensesi. fees, expenses, costs/expenses of expert

witnesses and other disbursementsreasonably incurred by the LegalRepresentatives in pursuing a claim orlegal proceedings for damages and/orcompensation against a third party whohas caused accidental bodily injury to orillness of a Person Insured or in appealingor resisting an appeal against thejudgment of a court, tribunal or arbitrator.

ii. costs for which a Person Insured is legallyliable following an award of costs by anyCourt or tribunal or an out of Courtsettlement made in connection with anyclaim or legal proceedings.

Legal Representativesthe solicitor, firm of solicitors, lawyer, advocateor other appropriately qualified person firm orcompany appointed to act on behalf of thePerson Insured.

Any One Claimall claims or legal proceedings including anyappeal against judgment consequent uponthe same original cause, event orcircumstance.


A. CoverIf during a Holiday a Person Insured sustainsbodily injury or illness which is caused by athird party ACE will pay up to a benefit amountof €30,000 to cover Legal Expenses arising outof Any One Claim.

B. Exclusions(General Exclusions apply as well)

In respect of each Claim under this insuranceACE will not pay for:i. any Claim reported to ACE more than 24

months after the beginning of the incidentwhich led to the Claim;

ii. any Claim where it is ACE’s opinion thatthe prospects for success in achieving areasonable settlement are insufficientand/or where the laws, practices and/orfinancial regulations of the country in whichthe incident occurred would preclude theobtaining of a satisfactory settlement or thecosts of doing so would bedisproportionate to the value of the Claim;

iii. Legal Expenses incurred before receivingACE’s prior authorisation in writing unlesssuch costs would have been incurredsubsequent to ACE’s authorisation;

iv. Legal Expenses incurred in connectionwith any criminal or wilful act;

v. Legal Expenses incurred in the defenceagainst any civil claim or legal proceedingsmade or brought against the PersonInsured unless as a counter claim;

vi. Fines, penalties compensation or damagesimposed by a court or other authority;

vii. Legal Expenses incurred for any claim orlegal proceedings brought against:a) a tour operator, travel agent, carrier,

insurer or their agents where thesubject matter of the claim or legalproceedings is eligible for considerationunder an Arbitration Scheme orComplaint Procedure;

b) ACE or their agents; orc) the Person Insured’s employer.

viii. Actions between Persons Insured orpursued in order to obtain satisfaction of ajudgement or legally binding decision;

ix. Legal Expenses incurred in pursuing anyclaim for compensation (either individuallyor as a member of a group or class action)against the manufacturer, distributor orsupplier of any drug, medication ormedicine;

x. Legal Expenses chargeable by the LegalRepresentatives under contingency feearrangements;

xi. Legal Expenses incurred where a PersonInsured has:a) failed to co-operate fully with and

ensure that ACE is fully informed at alltimes in connection with any claim orlegal proceedings for damages and orcompensation from a third party; or

b) settled or withdrawn a Claim inconnection with any claim or legalproceedings for damages and orcompensation from a third partywithout the agreement of ACE. In suchcircumstances ACE shall be entitled towithdraw cover immediately and torecover any fees or expenses paid;

xii. Legal Expenses incurred after a PersonInsured has not:a) accepted an offer from a third party to

settle a claim or legal proceedingswhere the offer is consideredreasonable by ACE; or

b) accepted an offer from ACE to settle aClaim;

xiii. Legal Expenses which ACE considersunreasonable or excessive or unreasonablyincurred.

C. Special Conditions applicable to thissectioni. Legal Representatives must be qualified

to practise in the Courts of the countrywhere the event giving rise to the Claimoccurred or where the proposed defendantunder this Section is resident.


ii. The Person Insured has the right to selectand appoint a Legal Representative oftheir choice to represent them in anylegal inquiry or legal proceedings(provided any appointment of a LegalRepresentative is not on a contingencyfee basis, where the LegalRepresentative charges a proportion ofthe amount recovered as a fee). ThePerson Insured shall provide ACE withdetails of the selected LegalRepresentative’s name and address. ACEmay provide information about LegalRepresentatives in their local area if thePerson Insured asks ACE to do so.

iii. The Legal Representatives and thePerson Insured must co-operate fullywith and ensure that ACE is fully informedat all times in connection with any claimor legal proceedings for damages and orcompensation from a third party. ACE isentitled to obtain from the LegalRepresentatives any information,document or advice relating to a claim orlegal proceedings under this Insurance.On request the Person Insured will giveto the Legal Representatives anyinstructions necessary to ensure suchaccess.

iv. ACE’s authorisation to incur LegalExpenses will be given if a PersonInsured can satisfy ACE that:a. there are reasonable grounds for

pursuing or defending the claim orlegal proceedings and the LegalExpenses will be proportionate to thevalue of the claim or legalproceedings; and

b. it is reasonable for Legal Expenses tobe provided in a particular case. Thedecision to grant authorisation willtake into account the opinion of theLegal Representatives as well asthat of ACE’s own advisers. If there isa dispute, ACE may request, at the

Person Insured’s expense, anopinion of a barrister as to the meritsof the claim or legal proceedings. Ifthe Claim is admitted, a PersonInsured’s costs in obtaining thisopinion will be covered by thisInsurance.

v. Any dispute between the Person Insuredand ACE (about ACE’s liability over aclaim or the amount to be paid, wherethe amount of the claim is €5,000 ormore) must be referred (within 12months of the dispute arising) to anarbitrator appointed jointly by the PersonInsured and ACE. If the Person Insuredand ACE cannot agree on an arbitrator,the President of the Law Society ofIreland will decide on the arbitrator andthe decision of that arbitrator will be final.ACE may not refer the dispute toarbitration without the Person Insured’sconsent where the amount of the claim isless than €5,000. If the Person Insureddoes not refer such a dispute toarbitration (in the case of a claim for€5,000 or more) or to the Irish courts (inthe case of a claim for less than €5,000or where You have agreed with us, afterthe dispute between the Person Insuredand ACE has arisen, that the claim will bedealt with by arbitration), within 12months, ACE will treat the claim asabandoned.

vi. ACE may at its discretion assume controlat any time of any claim or legalproceedings in the name of the PersonInsured for damages and orcompensation from a third party.

vii. All Claims within this section must besubmitted to ACE in writing within 90days.

viii. Any Legal Expenses incurred without thewritten agreement of ACE shall entitleACE to withdraw cover immediately andto recover any fees or expenses paid to


the Person Insured.ix. ACE may at its discretion require thePerson Insured to obtain at the expenseof the Person Insured an opinion of abarrister agreed by the Person Insuredand ACE as to whether or not there arereasonable grounds for continuing topursue or defend any claim or legalproceedings. ACE will pay such expense ifthe opinion indicates that there arereasonable grounds for pursuing ordefending the claim or legal proceedings.

x. ACE may at its discretion offer to settle acounter-claim against the Person Insuredwhich it considers to be reasonableinstead of continuing any claim or legalproceedings for damages and/orcompensation by a third party.

xi. The Person Insured shall be responsiblefor the repayment to ACE of all sums paidby ACE in respect of the Legal Expenseswhere: a. an award of costs is made in favour of

the Person Insured in the claim orlegal proceedings; or

b. costs are agreed to be paid to thePerson Insured as part of anysettlement of the claim or legalproceedings.

xii. If a conflict of interest arises, where ACEare also the insurers of the third party orproposed defendant to the claim or legalproceedings, the Person Insured has theright to select and appoint other LegalRepresentatives in accordance withProvision 2 of this Section.

xiii. If the Legal Representatives refuse tocontinue acting for a Person Insured withgood reason or if a Person Insureddismisses the Legal Representativeswithout good reason the cover ACEprovides will end at once, unless ACEagrees to appoint other LegalRepresentatives.

SECTION 13. Pet Care(Maximum payable €150 per Person Insured)

Cover under this Section does not apply to aHoliday in Ireland.

A. CoverIf a Person Insured is injured or becomes illduring a Holiday Abroad, and is;i. delayed from returning to Ireland as a

direct result of their being a hospital in-patient during a Holiday.

ii. is repatriated to Ireland and directlyadmitted to hospital as an in-patient andhas a valid Claim under Part III Section 7MEDICAL AND ADDITIONAL EXPENSES, forsuch Medical or Repatriation costs, ACEwill reimburse the Person Insured for petcare fees incurred up to a maximum of€150 for each Holiday.


ACE will not pay pet care fees for time spentby a Person Insured in an institution notrecognised as a hospital in the country oftreatment.


SECTION 14. Winter SportsTHIS SECTION IS OPTIONAL; IT APPLIESONLY IF IT IS SHOWN AS INSURED ON THEPOLICY SCHEDULE AND THE ADDITIONALPREMIUM HAS BEEN PAID. (SEE GENERALEXCLUSIONS - WINTER SPORTS).

A. CoverACE will pay:i. up to €20 for each full 24 hour period,

limited to €200 where it is necessary for aPerson Insured to hire Winter Sportsequipment for Winter Sports equipmentthat is: a) lost or broken in an Accident; orb) lost or misplaced by an airline or other

Carrier on the outward journey fromIreland and delayed for at least 12hours after the arrival of the PersonInsured at his or her destination;

ii. up to €75 for each full week, or aproportionate amount for shorter orlonger periods, limited to €300 to coverthe value of an unused ski pass belongingto a Person Insured, and hire or tuitionfees which a Person Insured cannotrecover following:a) an Accident or illness;b) loss or theft of his or her ski pass;

iii. €20 for each full 24 hour period, limitedto €200 if a Person Insured is unable toski because there is a lack of snow in thepre-booked resort and no alternativeskiing available;

iv. up to €100 for additional and necessarytravel and accommodation costs if aPerson Insured’s outward or returnjourney is delayed by an avalanche formore than 12 hours from the scheduleddeparture time on his or her travel ticket.


i. for delay, detention, seizure orconfiscation by customs or other officialsof Winter Sports equipment;

ii. unless a loss or theft is reported to thePolice (and the hotel management if theloss or theft occurs in a hotel) within 24hours of discovery and ACE is providedwith a copy of the original written Policereport and report to the hotelmanagement as applicable;

iii. if a Claim is paid under Part III Sections 2or 3;

iv. if a Claim is Due To participation incompetitive winter sports including, butnot limited to, ski or ski bob racing, monoskiing, ski jumping, ski boarding, icehockey, or the use of bobsleighs orskeletons.


4.1 General Exclusions(Exclusions that apply to the whole Policy)

ACE will not be liable to make any paymentunder this Policy where any event that wouldotherwise be insured is Due To

i. Air travel/sportsa) participation in aerial pursuits or

sports including but not limited to:ballooning, bungee-jumping, gliding,hang-gliding, microlighting,parachuting, paragliding orparascending; and

b) air travel, unless the Person Insuredis travelling as a fare-payingpassenger in a fixed wing aircraftwhich is provided by a licensed airlineor air charter company.

ii. Businessbusiness of any description that isundertaken on a Holiday.

iii. Currency currency exchange.

iv. Hazardous activitiesparticipation in or training for:mountaineering requiring the use ofropes or guides; potholing; any organisedsporting holiday or trip; travelling on amotorcycle over 125cc; competitivewinter sports including, but not limited toski or ski bob racing, mono skiing, skijumping, ski boarding, ice hockey, or theuse of bobsleighs or skeletons; racing ofany kind (except for racing on foot);scuba diving to depths in excess of 30metres; and speed or endurance tests.

v. Illegal actsany illegal act of a Person Insured.

vi. Misuse of alcohol/drugsa) misuse of alcohol or solvents by aPerson Insured;

b) drugs ingested by a Person Insuredexcept for drugs which are properlyprescribed; and

c) the Person Insured driving a vehicleof any kind whilst the alcohol level inhis or her blood exceeds the legallimit of the country where he or she isdriving.

vii. Psychological conditionspost traumatic stress disorder or a relatedsyndrome or any psychological orpsychiatric condition diagnosed before aHoliday begins.

viii. Radiation a) ionising radiation or contamination by

radioactivity from any nuclear fuel orfrom any nuclear waste resulting fromthe combustion of nuclear fuel; or

b) the radioactive, toxic, explosive orother hazardous properties of anyexplosive nuclear assembly or nuclearcomponent of such assembly.

ix. Sanction CountryThis Policy does not cover, and theCompany will not in any event be liableto pay any claims arising directly orindirectly from, caused by, a consequenceof, arising in connection with orcontributed to by any of the following:• any loss or expenses with respect to

Cuba or a specially designatedperson, entity, group or company onthe Specially Designated List orwhich if reimbursed or paid by theCompany would result in theCompany being in breach of trade oreconomic sanctions or other suchsimilar laws or regulations.

PART IV


• arising out of or relating to any travelto, from or in Cuba or any travel whichstarts, ends or has a scheduled stop inCuba;

• arising out of or relating to any PersonInsured whose main residence is inCuba;and/ or

• which would result in the Companybeing in breach of United Nationsresolutions or trade or economicsanctions or other laws of theEuropean Union, United Kingdom,Ireland or United States of America.

You should contact ACE’s CustomerServices Team on 1890 719 425 forclarification of Policy cover for travel tocountries which may be subject to UnitedNations resolutions or trade or economicsanctions or other laws of the EuropeanUnion, United Kingdom, Ireland or UnitedStates of America.

x. Sonic wavespressure waves from aircraft and otherairborne devices travelling at sonic orsupersonic speeds.

xi. Specified diseasesa) infection with Human Immune

Deficiency Virus (HIV) or other formsof the virus, Acquired ImmuneDeficiency Syndrome (AIDS) and AIDS-Related Complex (ARC); or

b) sexually transmitted disease.

xii. Suicide/self-injury a) suicide, attempted suicide or deliberate

self-inflicted injury by the PersonInsured regardless of the state of theirmental health; or

b) needless self-exposure to dangerexcept in an attempt to save humanlife.

xiii. WarWar or any act of War whether War isdeclared or not.

4.2 General Conditions(Conditions that apply to the whole Policy)

i. ContractThis Policy, the Policy Schedule and anyinformation provided in Your applicationwill be read together as one contract.

ii. Legal Interpretation and LanguageCurrent legislation allows the parties to this contract to choose which law is usedto interpret this Policy. You and ACE agreethat:i. this Policy will be governed and

interpreted in accordance with the Lawof Ireland and only the Irish Courts willhave jurisdiction in any dispute; and

ii. communication, of and in connectionwith this Policy, shall be in the Englishlanguage.

iii. Observing Policy Terms & ConditionsACE will not be liable to make any paymentunder this Policy if a Person Insured or hisor her personal representative(s) do notobserve and fulfil its Terms, Exclusions andConditions.

iv. Maintaining Private Medical InsuranceYou and each Person Insured mustcontinue to pay the membershipsubscriptions to keep in force PrivateMedical Insurance from the time ofpurchasing Travel Insurance cover andcontinuously throughout the duration ofany Holiday covered hereunder.

xiv. Winter SportsWinter Sports unless the WINTER SPORTSSection is shown as covered on the PolicySchedule; any competitive winter sports,including but not limited to, ski or ski bobracing, mono skiing, ski jumping, skiboarding, ice hockey, or the use ofbobsleighs or skeletons.

xv. Ineligibilitythe Person Insured does not meet the Eligibility Criteria detailed on the Policy Schedule.


v. Your duty to avoid or minimise a ClaimYou and each Person Insured must takeordinary and reasonable care to safeguardagainst loss, damage, Accident, injury orillness as though You were not insured. IfACE believes You or any Person Insuredhave not taken reasonable care ofproperty, the Claim may not be paid. Theitems insured under this Policy must bemaintained in good condition and kept ingood repair.

vi. InterestACE will not pay interest on any benefitpayable under this Policy unless paymenthas been unreasonably delayed by ACEfollowing receipt of all the requiredcertificates, information and evidencenecessary to support the Claim.

vii. Other taxesACE is required to notify you that othertaxes or costs may exist which are notimposed by us.

viii. Stamp DutyThe appropriate Stamp Duty has been orwill be paid to the Revenue Commissionersin accordance with the provisions of theFinance Act 1950 as amended.

ix. Moneys payable in IrelandAll moneys which become due andpayable by ACE under this policy shallbeing accordance with Section 93 of theInsurance Act 1936, payable and paid inIreland.

4.3 Claims Provisions

i. A Person Insured must:a) Notify SuperValu travel claims

immediatelye-mail [email protected] immediately ordownload a claim form from this Web

Site www.supervaluetravelinsurance.ieand send it to SuperValu travel claimsas soon as possible and within 30days of becoming aware of anythinglikely to result in a Claim. A personalrepresentative can do this if thePerson Insured cannot;

b) Authorise ACE to take over authorise ACE and/or ACE’s agentsand affiliates to take over the handlingof any medical Claim, includingpermitting and requiring ACE and/orACE’s agents and affiliates to haveaccess to all relevant medical records,if a Claim is to be made under thisPolicy;

c) Supply details & documentssupply at his or her own expense anyinformation, evidence and receiptsACE requires including medicalcertificates signed by a Doctor, Policereports and other reports;

d) Protect propertytake all reasonable steps to protectany item or property from further lossor damage and to recover any lost orstolen article;

e) Send ACE summons, writs etcsend ACE any original writ, summons,legal process or other correspondencereceived in connection with a Claimimmediately it is received and withoutanswering it.

ii. A Person Insured must not do thefollowing without ACE’s writtenagreement:a. Admit liability

admit liability, or offer or promise tomake any payment; or

b. Dispose of itemssell or otherwise dispose of any item


or property for which a Claim is beingmade, or abandon any item orproperty to ACE.

iii. Each Person Insured must recogniseACE’s right to:a) Pay, repair or replace

choose either to pay the amount of aClaim (less any Excess and up to anyPolicy limit) or repair, replace orreinstate any item or property that isdamaged, lost or stolen;

b) Inspect & dispose of itemsinspect and take possession of anyitem or property for which a Claim isbeing made and handle any salvage ina reasonable manner;

c) Handle a Claim in Your nametake over and deal with the defence orsettlement of any Claim in his or hername and keep any amountrecovered;

d) Pay in eurosettle all Claims in euro;

e) Be reimbursed promptlybe reimbursed within 30 days for anycosts or expenses that are not insuredunder this Policy, which ACE pays to aPerson Insured, or on his or herbehalf;

f) Receive medical certificatesbe supplied at the expense of thePerson Insured with appropriateoriginal medical certificates beforepaying a Claim under the MedicalExpenses, Hospital BenefitCancellation, Curtailment orRearrangement and Personal AccidentSections in part III.

g) Carry out medical examinationsrequest and carry out a medical

examination and insist on a post-mortem examination, if the law allowsACE to ask for one, at ACE’s expense;

h) Repatriate you when appropriateat ACE’s sole discretion to repatriate aPerson Insured provided there is nomedical advice to the contrary.

iv. ACE will not be liable to pay a Claim andmay cancel the Policy immediately ineither of the following circumstances:a) Dishonesty

if a Claim is in any way dishonest; or

b) Fraud if a Person Insured or anyone actingon his or her behalf, uses fraudulentmeans to benefit under this Policy.

PAYING CLAIMSDeath i) If the Person Insured is 18 years or over,ACE will pay the Claim to the estate of thedeceased Person Insured and the receiptgiven to ACE by the personalrepresentatives shall be a full discharge ofall liability by ACE in respect of the Claim.

ii) If the Person Insured is a minor, ACE willpay the Claim to You if they are a Partner.If the minor is not a Partner ACE shallmake the payment to their Parent orLegal Guardian. The Partner, Parent orLegal Guardian’s receipt shall be a fulldischarge of all liability by ACE in respectof the Claim.

All other Claimsi) If the Person Insured is 18 years or over,ACE will pay the Claim to the PersonInsured and their receipt shall be a fulldischarge of all liability by ACE in respectof the Claim.

ii) If the Person Insured is a minor ACE willpay the Claim to that minor if they are aPartner. If the minor is not a Partner ACEshall make the payment to their Parent or


Legal Guardian for the benefit of thatminor. The Partner, Parent or LegalGuardian’s receipt shall be a full dischargeof all liability by ACE in respect of theClaim.

4.4 Ending or changing Yourcover

i. 14 day cancellation optionIf You are not satisfied with this policy andhave not taken a Holiday or made a claimon a Holiday protected by the coverprovided, You may return it to ACE within14 days and ACE will cancel it. If thishappens, the Policy will have provided nocover and ACE will refund any premiumsYou have paid.

ii. Cancellation after 14 days, annual multi-trip Policies onlyIf You write and tell ACE to cancel anannual multi-trip Policy, ACE will cancel itfrom the date Your letter is received orany later date You stipulate. ACE reservesthe right to charge you a premiumproportionate to the cover that has beenin force up to the date of yourcancellation, and a reasonableadministration charge for any costsincurred.

iii. Cancellation after 14 days, single tripPolicies onlyIf You write and tell ACE to cancel a singletrip Policy, ACE will cancel it from the dateYour letter is received. ACE will provide apro-rata refund for any single trip policiescancelled prior to the commencement ofthe journey. ACE do not provide any returnpremiums for a journey that hascommenced.

iv. Changing Your PolicyYou must e-mail or write to ACE if either

Your insurance needs or any of theinformation You have given ACE changes.A change in circumstances may affect Yourcover, even if You do not think a change issignificant, and ACE may need to changethis Policy. ACE will update the Policy andissue a new Policy Schedule each time achange is agreed.

v. if ACE wants to cancel or change YourPolicya) ACE reserves the right to make

changes or add to these policy terms;for legal regulatory or taxationreasons; and/or to reflect new industryguidance and codes of practice.

b) If ACE wants to cancel Your policy ormake any changes other than thoseabove, ACE will write to You at thelatest address ACE has for You .ACEwill then cancel or change the policy30 days after the date of the letter.

c) If ACE cancels the policy ACE willrefund any premium You paid for thecancelled period provided You havenot made a claim under the Policyduring the current Period ofInsurance.

4.5 Automatic ending of cover

A. Single trip PoliciesCover will end when the Period ofInsurance ends unless a Claimunavoidably delays the return of a PersonInsured from a Holiday, when cover willcontinue without any additional premiumfor the period of the delay.

B. Annual multi-trip Policiesa) automatic ending of cover:

i. Your cover will end on the firstdate Your premium is due afterYour 75th birthday;

ii. Your Partner’s cover will end on


the first date premium is due aftertheir 75th birthday or earlier ifYour cover ends beforehand.

iii. Cover for Children will end on thefirst date premium is due aftertheir 18th birthday (or 23rdbirthday if still in full-timeeducation) or earlier if:• Your cover ends beforehand;

or • they get married; or • they start living with a Partner;

or• they stop being dependent.

b) If a Holiday continues beyond theexpiry of this Policy or a Holiday hasbeen booked which begins after theexpiry date of this Policy You mustselect a new Policy if You wish coverto continue. If You do not select a newPolicy, the remaining period of theHoliday or any future Holiday whichhas been booked will not be coveredafter the expiry date of this Policy.

Complaints Procedures

ACE is dedicated to providing a high qualityservice and wants to maintain this at all times.If You are not satisfied with this service, pleasecontact ACE immediately, quoting Your Policydetails, so that Your complaint can be dealtwith as soon as possible.

The Customer Service ManagerSuperValu Travel InsuranceACE European Group Limited5 George’s DockInternational Financial Services CentreDublin 1Tel: 1890 719 425 Fax: 01 – 440 1701e-mail: [email protected]

We do not recommend You send financial orpersonal sensitive details via email as it maynot be secure whilst in the public domain.

Financial ServicesOmbudsman’s Bureau

If you are not satisfied with ACE’s finalresponse, you can ask the Financial ServicesOmbudsman Bureau (FSOB) to review yourcase. The FSOB’s contact details are givenbelow:

Lo Call: 1890 882090Tel: 01 662 0899Fax: 01 662 0890Email: [email protected] Web Site: www.financialombudsman.ie

Financial Services Ombudsman’s Bureau3rd FloorLincoln HouseLincoln PlaceDublin 2

The existence of these complaints proceduresdoes not reduce Your statutory rights relatingto this Policy. For further information on Yourstatutory rights contact the National ConsumerAgency.

Insurance Ireland

ACE is a member of Insurance Ireland.Insurance Ireland represents the insuranceindustry and is working closely with theCentral Bank of Ireland, in seeking to promotea fair and open, consumer-driven market, hasagreed a minimum set of standards formember companies’ dealings with theircustomers resident in Ireland.

Musgrave Financial Services ltd, t/a SuperValu Insurance is regulated by the Central Bank of Ireland. SuperValu is a singleagency intermediary of ACE European Group Limited for Travel Insurance.

Insurer:ACE European Group Limited trading as ACE Europe and Combined Insurance is authorised and regulated by the PrudentialRegulation Authority in the United Kingdom and is regulated by the Central Bank of Ireland for conduct of business rules.

Registered branch in Ireland no. 904967 at 5 George's Dock, IFSC, Dublin 1. ACE European Group Limited (company number1112892) is registered in England and Wales with registered offices at 100 Leadenhall Street, London EC3A 3BP.

Customer Service and Claims Centre, SuperValu Travel Insurance, OSG, Merrion Hall, Strand Road, Sandymount, Dublin 4Ireland. Telephone: 1890 719 425 or +353 (0)1 440 2784; e-mail: [email protected] Online: www.SuperValutravelinsurance.ie

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Holiday Plus Travel - SuperValu Travel Insurance | · PDF file · 2017-08-03PART II...

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