Your Policy Document Chubb Travel Insurance · UK-CM0006 6 Welcome Thank you for choosing Chubb...

Your Policy Document

Chubb Travel Insurance

UK-CM0005 2

Advice to Travellers

Important Phone Numbers

Plea se make a note of the following phone

n umbers or add them to Your mobile; You

m ay need them in an emergency or if You

n eed to make a Claim .

Ch u bb Assistance

For ov erseas medical emergencies please con tact Chubb Assistance on:

Telephone: +44 (0) 161 333 7780

(2 4 hours a day, 365 days a year)

Ch u bb Claims

Telephone: +44 (0) 161 333 6160

(Mon day - Fr iday, from 8.00 to 15.30)

Em a il: [email protected]

Ch u bb Customer Service

Telephone: +44 (0) 161 333 6160

(Mon day - Fr iday, from 8.00 to 15.30)


Helpful hints for y our insurance

• Ta ke copies of Your policy documents

on You r T rip with You;

• Repor t any Loss of theft to the hotel

or local police within 24 hours and get

a r eport from them;

• Keep V aluables safe (for example in a

sa fety deposit box);

• Don ’t leave Valuables ly ing around or

in v iew of other people;

• Leav e yourself enough t ime to get to

th e airport, park, and g et through

security. Remember to a llow time for

delays in traffic or travel

• Con tact Us if You have a change in

h ea lth that may lead to You having to

ca ncel or alter Your Trip

• Con tact Us for a dvice before incurring

costs that You would seek to

su bsequently Claim for under this

Policy +44 (0) 161 333 6160.

Immunisations

You may need extra immunisations when

tr avelling A broad. Check whether You do

befor e travelling online at

w ww.nhs.uk/healthcareabroad

EHIC

If You a re travelling to Europe (all EU

cou ntries plus Iceland, Liechtenstein,

Nor way & Switzerland) You should obtain a

Eu r opean Health In surance Card (EHIC)

a n d take it with You when You travel. This

w ill allow You to benefit from the reciprocal

h ea lth arrangements, which exist with these

cou ntries and, if You have a valid Claim for

Medical Expenses under this Policy, We will

n ot deduct the Excess where the cost of

You r Claim has been reduced by You

u sing Your EHIC.

You can g et more information about the

EHIC, a pply or renew Your EHIC:

On line at: www.nhs.uk/ehic

By ph one: 0300 330 1350

By post : Forms available online.

Waiver

If You h ave a valid Claim for medical

ex penses under this Policy, which is reduced

by You

• u sing an EHIC; or

• ta king a dvantage of a reciprocal health

a g reement with the United

Kingdom; or

• u sing Your private medical insurance

a t the point of treatment,

We w ill not deduct the excess.

mailto:[email protected]


http://www.nhs.uk/healthcareabroad

http://www.nhs.uk/ehic

UK-CM0006 3

Travel Aware

We a r e supporting the Foreign a nd

Commonwealth Office’s 'Travel Aware'

ca mpaign, to help travellers prepare for

th eir Trip a nd stay safe when abroad.

Sea rch www.gov .uk/travelaware to sign u p

for a dv ice on the country you are visiting

a n d prepare for travelling a broad. You can

a lso keep up-to-date with the latest FCO

tr avel a dvice by following the FCO on

Fa cebook and Twitter at @FCOtravel, and

on In stagram at @travelaware.

FCO Travel Advice

Th is Policy does not cov er any T rip

in v olving travel to areas where the For eign

a n d Commonwealth Office has a dvised

a g ainst 'a ll travel'. If You are n ot sure

w h ether there is a travel warning for Your

dest ination, please check their website.

https://urldefense.proofpoint.com/v2/url?u=http-3A__www.gov.uk_travelaware&d=DwMFAg&c=9TnM8cDdIndCtQknbqO0eA&r=wRNjXdLt2Iuy4aXyX4DF2A03JX7WbJdE9Ex6URy15wY&m=YCzfPqU1qDKIpCENYdpzA_G2ZYxue-bYQ7zj0fdqKE8&s=XJcgHDlgcVDAang5wayKOpwSxypqgEq1MH5pBBlLh2Y&e=

UK-CM0006 4

Contents

Advice to Travellers 2

Im portant Ph one Number s 2

Helpful hints for y our in surance 2

Immunisation s 2

EHIC 2

Waiv er 2

Trav el Aware 3

FCO Trav el Adv ice 3

Welcome 6

Table of Benefits 7

Important Information 8

How to Claim 8

How to Cancel 8

General Conditions and General Exclu sion s 8

Per sons Cov ered 8

Policy Definitions 8

Children 8

Trips Cov ered 8

Trips Not Cov ered 8

The Cov er We Pr ov ide 8

When You Are Cov ered 9

When Cov er Will En d Automatically 9

Automatic Extension of the Period of In surance 9

Leisure Activ ities and Sports 9

Chubb Assistance 11

Medical Emergency and Referral Serv ices 1 1

Per sonal Assistance Serv ices 1 1

Section 1 - Cancellation 13

Section 2 – Medical Expenses & Repatriation 15

Section 3 – Hospital Benefit 16

Section 4 – Travel Delay / Abandonment 17

Section 5 – Missed Departure 18

Section 6 –Curtailment 19

Section 7 – Personal Effects & Baggage 20

Section 8 – Business Equipment 21

Section 9 – Loss of Passport / Driving Licence 21

Section 10 – Personal Money 22

Section 11 – Personal Accident 22

Section 12 – Personal Liability 23

Section 13 – Overseas Legal Expenses 24

General Exclusions 27

Making a Claim 29

Reporting Lost, Stolen or Damaged Pr operty 2 9

Claim Conditions 30

Other Insurance 3 0

UK-CM0006 5

Recov ering Our Claims Payments fr om Others 3 0

Comply ing with Special Condit ions 3 0

Supply ing Details & Documents 3 0

Your Duty to Av oid or Minimise a Claim 3 0

Pr otecting Pr operty 3 0

Sending Us Legal Documents 3 0

Subr ogation 3 0

Things You Mu st Not Do 3 0

Recognising Our Rights 3 0

Fraudulent Claims 3 1

Pay ing Claims 3 1

General Conditions 32

Contract 3 2

Ch oice of Law 3 2

Third Party Rights 3 2

Compliance with Policy Requirements 3 2

Changing Your Policy 3 2

Cancelling Your Policy 3 2

Other taxes or costs 3 2

Misr epresentation and Non -Disclosure 3 2

Interest 3 3

Bank Charges 3 3

Complaints pr ocedures 3 3

European Online Dispute Resolution Platform 3 3

Fr ench Prudential Superv ision and Resolution Authority 3 3

Financial Serv ices Compen sation Scheme 3 4

General Definitions 35

Data Protection 38

Contact Us 39

About Chubb 39

UK-CM0006 6

Welcome

Thank you for choosing Chubb Travel Insurance.

Th is is Your Policy Wording which, together with Your Certificate of In surance and the

in formation supplied when applying for this insurance, is a contract between You and Us.

Cov er provided under this Policy is underwritten by Chubb European Group SE, (We/Us).

Th is Policy pays benefits, in accordance with this Policy Wording, in the ev ent that You need

to ca ncel Your T rip before it begins, or You:

• su ffer illness or injury; or

• a r e delayed en r oute; or

• su ffer Loss or damage to Your Personal Property , Mon ey or Bu siness

Equ ipment

w h ilst on a Trip.

Th is Policy does not cov er:

• a ny pre-existing medical conditions; or

• m anual work of a ny description; or

• a ny Trip where Winter Sports is the main reason for Your trip.

You (a s specified in the Certificate of In surance) and Chubb agree that You shall pay the

pr emium as agreed. The Certificate of In surance and this Policy Wording prov ide the full

terms and conditions of the insurance with Us. You acknowledge that We have offered this

Policy and set the premium using the information which We have asked for and You have

pr ov ided, and that any change to the r esponses prov ided by You may r esult in a change in the

terms and conditions of the Policy and/or a change in the premium.

You sh ould check ov er the Policy Wording and Certificate of In surance carefully to ensure

th ey are correct and meet Your requirements, and notify Us immediately, if anything is

in correct, as this could a ffect Policy cov er in the ev ent of a Claim. You should keep these

documents in a safe place. You must tell Us if either Your insurance n eeds or any of the

in formation You have g iven Us changes. A change in circumstances may affect Policy cov er,

ev en if You do n ot think a change is significant, and We may n eed t o change this Policy. We

w ill update the Policy a nd issue a new Certificate of In surance each time a change is agreed.

UK-CM0006 7

Table of Benefits

Sect ion Benefit Amounts /

Lim it of Liability Excess1

1 . Ca n cellation Flight Cost2 pl us up to £500

for unused travel costs ✗

2. Medical Expenses & Repatriation

A.

i. a n d ii. Medical Ex penses &

Em ergency Repatriation Ex pen ses

iii. Tr avel Ex penses

B. A ccompanying Traveller Ex penses

C. Cr emation Burial or Transportation Ch arges

D. Em ergency Dental Treatment

up to £2,500,000

£50 per day up to a Max of £500

£50 per day up to a Max of £500

up to £5,000

up to £200

✓

✓

✓

✓

3. Hospital Benefit £25 for each full 24 hours up to a

Max of £500 ✗

4. Tr avel Delay/Abandonment

A . Ea ch complete 6 h our period £30 up to a Max of £240 ✗

B. A bandonment up to £500 ✓

5. Missed Depa rture up to £200 ✓

6. Cu rtailment up to £500 ✓

7 . Per sonal Effects and Baggage

A . Loss, damage or theft up to £1,500 ✓

Sin gle item limit

V a luables limit

Spor ts equipment limit

B. Delay ed Baggage

£300

up to £300

up to £300

up to £150 after 12 hours delay

✗

8. Bu sin ess Equ ipment

A. Loss, damage or theft

Sin gle item limit

V a luables limit

up to £1,500

£300

up to £300

✓

B. Bu siness equipment hire £50 for each full 24 hours up to a

Max of £250 ✗

9. Loss of Pa ssport / Dr iv ing Licence temporary replacement costs up to £300 ✗

10. Per sonal Mon ey up to £500 ✓

11 . Per sonal A ccident up to £10,000 ✗

12. Per sonal Liability up to £1,000,000 ✓

13. Ov erseas Legal Ex penses up to £25,000 ✗

1 A £50 excess applies to each benefit section per person as h ighlighted in the table above. 2 Fl ight Cost means the total cost of Your flight as shown on Your flight booking confirmation.

The table above shows the maximum amounts that are covered under the Policy per Person Insured.

UK-CM0006 8

Important Information

How to Claim

Gu idance on how to make a Claim under

th is Policy is detailed on page 29 in this

Policy Wording.

How to Cancel

Gu idance on how to cancel this Policy is

detailed on page 32 in this Policy Wording.

General Conditions and General Exclusions

Th ere are certain Conditions and Ex clusions

w h ich apply to a ll sections of this Policy, and

th ese are detailed on pages 27 to 28 and 32

to 3 4 in this Policy Wording.

Persons Covered

A ll Persons Insured on this Policy

m ust be:

1 . permanently r esident in the United

Kingdom and be in the United

Kingdom a t the t ime of purchasing

th is Policy; and

2 . 6 4 years of age or under a t the t ime of

pu r chasing this Policy.

Policy Definitions

Cer tain words in this Policy have a specific

m eaning. They have this specific meaning

w h erever they appear in this Policy and are

sh own by using bold text and capital letters.

A ll Policy definitions are a pplicable to this

Policy as a whole, and are detailed on pages

3 5 to 37 in this Policy Wording.

Children

Ch ildren will only be cov ered when they

a r e travelling with an a dult named under

Person (s) Insured on the

Cer tificate of In surance.

Trips Covered

A T rip A broad during the Period of

Insu rance that takes place entirely within

th e Area of Travel stated in the Certificate of

In su rance, as long a s You h ave booked a

r eturn flight to Your country of or igin

befor e you depart for Your T rip.

Trips Not Covered

We w ill not cov er any T rip

• w h ich involves manual work of a ny

description;

• w h ere Winter Sports is the main

r ea son for Your trip;

• w h ich involves You travelling on

a Cru ise;

• w h ich involves You travelling

specifically to obtain medical, dental or

cosm etic treatment;

• w h en You have been a dvised not to

tr avel by Your Doctor or You have

r eceived a terminal prognosis;

• w h ere, on the date it is booked (or

commencement of the Period of

Insu rance if later), You or Your

T ravelling Com panion are aware of

a ny reason why it might be cancelled

or Cu rtailed, or any other

cir cumstance that could reasonably be

ex pected to r esult in a Claim under

th is Policy;

• in v olving travel to areas where the

For eign and Commonwealth Office has

a dv ised against ‘all travel’. If You are

n ot sure whether there is a travel

w a rning for Your destination, please

ch eck their website

w ww.fco.gov.uk/travel.

The Cover We Provide

Th e maximum amount We w ill pay under

ea ch Section that applies is detailed in the

Ta ble of Benefits on page 7 in this

Policy Wording.

http://www.fco.gov.uk/travel

UK-CM0006 9

When Y ou Are Covered

1 . Ca n cellation cov er under Section 1

beg ins when a T rip is booked, or from

th e commencement date and time

sta ted in the Certificate of In surance,

w h ichever is later. It ends when You

sta rt Your T rip.

2. In su rance cover under all other

Sect ions operates for a Trip that takes

pla ce during the Period of

Insu rance .

When Cover Will End Automatically

A ll cover will end when the Period of

Insu rance ends.

Automatic Extension of the Period of Insurance

If You cannot r eturn home from a Trip

befor e Your cov er ends, Your policy will

a u tomatically be extended at n o extra

ch arge for:

• u p to 14 days if any Public

T ransport in which You are booked

to tr avel as a ticket-holding passenger

is u n expectedly delayed, cancelled or

Cu rtailed because of A dverse

Wea ther, industrial a ction, or

m echanical breakdown; or

• u p to 30 days (or any longer period

a g reed by Us in writing before this

a u tomatic extension expires) if You

ca nnot return h ome Du e T o:

You being injured or becoming

ill or being quarantined during

a T rip.

You being required to stay on

m edical adv ice with another

Person Insured named on

You r Certificate of In surance

w h o is injured or becomes ill or is

qu a rantined during a T rip.

Leisure Activities and Sports

You a re automatically covered when

pa r ticipating in any of the leisure a ctivities

or spor ts listed in this section, on a

r ecreational basis during Your Trip,

su bject to any prov isions, limitations or

ex clusions noted by the relevant sport or

a ct ivity and prov ided that:

1 . You h ave not been advised by a

Doct or a gainst participating in such

spor t or a ctivity;

2. You w ear the r ecommended/

r ecognised safety equipment;

3. You follow safety procedures, rules

a n d regulations a s specified by the

a ct ivity organisers/prov iders;

4. You a re n ot racing or competing in or

pr a ctising for speed or t ime trials of

a ny kind; and

5. It is n ot the main r eason for

You r Trip.

Im portant Note

If a leisure a ctivity or sport is n ot listed then

w e w ill n ot provide cov er under the Policy.

• A r chery (prov ided supervised by a

qu a lified person)

• A rm wrestling

• Ba dminton

• Ba sketball

• Bea ch basketball

• Bea ch cricket

• Bea ch football

• Bea ch volleyball

• Bocce

• Body boarding

• Bow ls

• Bow ling

• Ca n oeing, kayaking and rafting on

in land waters on ly (excluding

w h ite water)

• Ca rriage or hay or sleigh r ides

• Clay -pigeon sh ooting (prov ided

su pervised by a qu alified person)

• Cr icket

• Cr oqu et

• Cu rling

• Cy cling (except BMX and/or

m ountain biking)

• Deep sea fishing

(ex cluding competitions)

• Dr y skiing

• Eleph ant r iding (less than 2 days)

• Fell walking

• Fen cing (provided supervised by a

qu a lified person)

• Fish ing, or angling (on inland

w a ters only)

• Footbag (hacky sa ck)

• Footba ll (Association)

• Go ka rting (provided You wear a

cr ash helmet)

• Golf

UK-CM0006 10

• Ha ndball

• Hiking or hill walking (up to 1,000m

a bov e sea level, on ly cov ered if no

g u ides or ropes are r equired)

• Hor se riding (prov ided n o hunting,

ju mping or polo)

• Hot a ir ballooning (prov ided it is

pr ofessionally organised, and You

tr avel a s a passenger on ly)

• Ice ska ting (excluding ice h ockey and

speed skating)

• In lin e skating

• Ja v elin

• Jet skiing

• Kor fball

• La crosse

• La n d sailing

• La ser games

• Lon g jump

• Ma x i-basketball

• Min i-basketball

• Motor cy cling up to 125cc provided

You w ear a crash helmet, and h old a

fu ll (and n ot prov isional) United

Kin gdom motorcycle licence if You are

in control of the motorcycle

• Netball

• Pa ddleball

• Pa r ascending (prov ided ov er water)

• Pon y trekking

• Ra cquetball

• Ra mbling (up to 1 ,000m a bov e sea

lev el, only cov ered if n o guides or

r opes are required)

• Roller skating

• Roller blading

• Rou n ders

• Row ing (on inland waters only)

• Ru n ning (recreational)

• Sa fari (camera only and

pr ofessionally organised)

• Sa il boarding

• Sa iling or yachting (only on inland

w a ters or coastal waters within a 12-

m ile limit from land)

• Scu ba diving (to a depth n ot exceeding

1 8m and provided that You are either

a ccompanied by a qualified

in struction, or You are qualified and

n ot div ing a lone)

• Sn or kelling

• Soccer

• Squ a sh

• Softball

• Str eetball

• Su rfing

• Sw imming

• Ta ble tennis

• Ten nis

• Tr ampolining

• Tr ekking (up to 1 ,000m a bov e sea

lev el, only cov ered if n o guides or

r opes are required)

• Tr iple jump

• Tu g of war

• Tw irling

• V olleyball

• Wa ter polo

• Wa ter skiing

• Win d surfing

Plea se r efer to the r elevant exclusions under

ea ch Section of Your Policy and to the

Gen eral Ex clusions, which continue to

a pply. Please specifically note the exclusion

u n der Section 1 2 - Personal Liability relating

to th e ownership, possession or use of

v ehicles, aircraft, hov ercraft, watercraft,

fir earms or buildings.

UK-CM0006 11

Chubb Assistance

Ch u bb Assistance can provide a range of

a ssistance and medical related services

du r ing Your T rip A broad. Please make

su r e You have details of this Policy, in cluding the Policy Number and Period of

Insu rance when You call.

To con tact Chubb Assistance please call:

+44 (0) 161 333 7780

Medical Emergency and Referral Services

If You a re injured or become ill Abroad You must contact Chubb A ssistance immediately if You n eed hospital in-pa t ient treatment, specialist treatment, m edical tests, scans or to be brought back to th e United Kingdom .

If You cannot do this yourself, You must a r range for a personal r epresentative (for ex ample, a spouse or parent) to do this for You . If this is not possible because You r condition is serious, You or Your per sonal representative must contact Ch u bb Assistance as soon a s possible.

If Ch u bb Assistance are not contacted, We m ay reject Your Claim or r educe its pa y ment.

In a ll other circumstances You are en t itled to use the services of Chubb A ssistance detailed in this section, as a ppropriate.

Ch u bb Assistance - Medical Emergency

a n d Referral Services can help with:

A. Pa y ment of bills - if You are admitted

to h ospital Abroad, the hospital or

a t tending Doctor(s) will be contacted

a n d payment of their fees up to the

Policy limits may be guaranteed so that

You do n ot have to make the payment

fr om Your own funds.

B. Bein g brought back to the United

Kingdom - if the Doctor a ppointed

by Chubb A ssistance believes

tr eatment in the United Kingdom is

pr eferable, transfer may be arranged

by regular scheduled transport

serv ices, or by a ir or road ambulance

serv ices if more urgent treatment

a n d/or specialist care is required

du r ing the Trip.

C. Pr ov ision of medical advice –

i) if You r equire emergency

con sultation or treatment

A broad, Chubb Assistance

w ill provide the names and

a ddresses of local Doct ors,

h ospitals, clinics and dentists,

a n d its panel of Doct ors will

pr ov ide telephone medical

a dv ice.

ii) if n ecessary Chubb A ssistance

w ill make arrangements for a

Doct or to call, or for You to be

a dmitted to hospital.

D. Un supervised Children - if a Ch ild is

left unsupervised on a T rip Abroad

because You are h ospitalised or

in capacitated, Chubb A ssistance

m ay organise their return home,

in cluding a suitable escort when n ecessary.

Plea se n ote that whilst You will n ot be

ch arged for advice or a ssistance, You will be

r esponsible for paying fees and charges for

serv ices prov ided to You if they are not cov ered as part of a valid Claim under this

Policy .

Personal Assistance Services

• Th e services under this Section are

pr ov ided by Chubb A ssistance and

a r e only available during a

T rip Abroad.

• Th ese are non-insured facilitation

serv ices making use of Chubb

A ssistance’s wide experience and

con tacts. Any costs incurred, for

ex ample for message r elay, must be

r eimbursed to Chubb Assistance

u n less they form part of a successful

Cla im under an a ppropriate Section of

th is Policy.

Ch u bb Assistance – Personal Assistance

Serv ices can help with:

A. T ransfer of em ergency funds

Tr ansfer of emergency funds up to

£2 50 per T rip if access to normal

fin ancial/ banking arrangements are

n ot av ailable locally. In order to

r eimburse Chubb A ssistance You

m ust authorise Chubb A ssistance to

debit Your credit or charge card with

th e amount of the transfer, or make

a lternative arrangements to deposit

th e funds in Chubb Assistance’s

a ccount in the United Kingdom . If

th e emergency transfer is n eeded Du e

UK-CM0006 12

T o th eft or Loss of personal money, a

Cla im may be made under the Policy.

B. Messa ge relay

Tr ansmission of urgent messages to

r elatives or business associates if

m edical or travel problems disrupt a

T rip travel schedule.

C. Replacement travel documents

A ssistance with the r eplacement of

Lost or stolen t ickets and travel

documents, and r eferral to suitable

tr avel offices. Chubb Assistance will

n ot pay for any item.

D. Em ergency translation facility

A translation service if the local

pr ov ider of a n assistance service does

n ot speak English.

E. Lega l h elp

Refer ral to a local English speaking

La wyer, Embassy or Consulate if legal

a dv ice is n eeded, and arrangement of

pa y ment of reasonable emergency

leg al expenses or bail, a gainst a

g u arantee of repayment.

UK-CM0006 13

Section 1 - Cancellation

What is covered

We w ill refund Your proportion of unused

tr avel and/or accommodation costs up to

th e amount stated in the Table of Benefits

(in cluding excursions pre-booked and paid

for before starting Your T rip), which You

h av e paid or are contracted to pay and

w h ich cannot be recov ered from any other

sou r ce if it becomes necessary to cancel a

T rip Du e T o:

1 . You or Your Travelling

Com panion(s)

A. dy ing; or

B. su ffering serious injury; or

C. su ffering sudden or serious

illness; or

D. su ffering from complications in

pr egnancy if incurred in a n

em ergency as a r esult of

com plications (where such

com plications are diagnosed by a

Doct or w ho specialises in

obstetrics); or

E. being compulsorily quarantined

on th e or ders of a

t r eating Doct or;

pr ov ided that such cancellation is

con firmed a s medically necessary by

th e treating Doctor.

2. You r Immediate Family Member

or Close Bu siness Colleague or

You r Travelling Companion’s

Im m ediate Family Member or

Close Bu siness Colleague or

som eone You have arranged to stay

w ith on Your Trip:

A. dy ing; or



illness; or







obstetrics);

pr ov ided that such reasons for

ca ncellation are confirmed

by a Doct or.

3. th e police requiring You or Your

T ravelling Com panion’s presence

follow ing a burglary or attempted

bu rglary at Your or Your Travelling

Com panion’s home.

4. ser ious fire storm or flood damage to

You r or Your Travelling

Com panion’s home, provided that

su ch damage occurs within the 7 days

immediately prior to commencement

of You r T rip.

5 . th e compulsory jury service or

su bpoena of You or Your

T ravelling Com panion

6. You or Your Travelling

Com panion being made redundant

a n d having registered a s unemployed.

7. Ch a nge to t he dates of your paid

h olidays, made by your

em ployer. This cov er is prov ided for

sa laried employ ees, excluding

tr adespeople, traders, members of a

liberal profession, directors or legal

r epresentatives of a company. This

h oliday leave, corresponding to an

en t itlement, must have previously

been agreed by the employer prior to

booking the travel.

What is not covered

1 . A ny Claim Du e To

A. a ny pre-existing medical

con dition a ffecting any person

u pon whom Your Trip depends

th at was diagnosed, treated or

r equ ired hospital inpatient or

ou tpatient treatment in the 5 year

per iod before Your Trip was

booked (or commencement of the

Period of Insurance if later),

a n d which could r esult in You

h av ing to cancel Your Trip;

B. a ny pre-existing medical



for w hich they are being

pr escribed regular medication by

a Doct or a t the date Your Trip

w a s booked (or commencement

of th e Period of Insurance if

la ter), and which could result in

You h aving to cancel Your

T rip;

C. a ny heart-related condition or

a ny type of cancer affecting any

per son upon whom Your T rip

depends diagnosed at any t ime

UK-CM0006 14

befor e Your Trip was booked

(or commencement of the



h av ing to cancel

You r Trip;

D. ju ry service or subpoena if You

or You r T ravelling

Com panion are called as an

ex pert witness or where Your or

th eir occupation would n ormally

r equ ire a Court attendance;

E. r edundancy where You or Your

Tr avelling Companion:

i) w ere unemployed or knew

th at You or they may

become unemploy ed, at the

t ime the Trip

w a s booked;

ii) a r e voluntarily made

r edundant or made

r edundant a s a result of

m isconduct or

follow ing r esignation;

iii) a r e self-employed or a

con tract worker;

F. a ny adverse financial situation

ca using You to cancel Your

T rip, other than reasons stated

w ithin the section

'Wh at is cov ered’.

G. You or Your Travelling

Com panion(s) deciding that

You do n ot want to travel, unless

th at reason for not traveling is

sta ted within the section

'Wh at is cov ered'.

H. Th e failure to obtain the

n ecessary passport, visa or

permit for Your T rip.

2. A ny loss, charge or expense Du e T o:

A. a delay in n otifying the tour

oper ator, travel agent, or

tr ansport or accommodation

pr ov ider that it is necessary to

ca ncel a booking;

B. pr oh ibitive regulations by the

g ov ernment of any country.

3. A ny charge or expense paid for with, or

sett led using, any kind of promotional

v oucher or points, t imeshare, holiday

pr operty bond or holiday points

sch eme, or any Claim for

m anagement fees, maintenance costs

or ex change fees associated in r elation

to t imeshares or similar arrangements.

UK-CM0006 15

Section 2 – Medical Expenses & Repatriation

What is covered

If du ring a T rip Abroad You:

1 . a r e injured; or

2. become ill (including complications in

pr egnancy as diagnosed by a Doct or

or specialist in obstetrics, prov ided

th at if You are travelling between 28 a n d 35 weeks pregnant You obtained

w r itten confirmation from a Doctor of

You r fitness to travel no earlier than 5

da y s prior to the commencement of

You r Trip A broad);

We w ill pay up to the amount stated in the

Ta ble of Benefits for:

A . i) Medical Expenses

A ll reasonable costs that it is

m edically necessary to incur

ou tside of the United Kingdom

for h ospital, ambulance surgical

or oth er diagnostic or remedial

tr eatment, g iven or prescribed by

a Doct or , and including charges

for staying in a hospital;

ii) Em ergency Repatriation

Ex pen ses

A ll reasonable costs that it is

m edically necessary for Chubb

A ssistance to incur to r eturn

You to Your home in the

Unit ed Kingdom ; or to mov e

You to the most suitable hospital

in the United Kingdom; if it is

m edically necessary to do so.

iii) Tr avel Ex penses

A ll necessary and r easonable

a ccommodation (room on ly) and

tr avel expenses incurred with the

con sent of Chubb Assistance ,

if it is medically n ecessary for

You to stay A broad after Your

sch eduled date of r eturn to the

Unit ed Kingdom , including

tr avel costs back to the United

Kingdom if You cannot use

You r original return t icket.

B. A ccompanying Traveller Ex penses

A ll necessary and r easonable

a ccommodation (room only) and travel

ex penses incurred with the consent of Ch u bb Assistance , by any one other

per son if required on medical advice to

a ccompany You or to escort a Child

h om e to the United Kingdom .

C. Cr emation Burial or Transportation

Ch arges if You die A broad

i) cr emation or burial charges in the

cou ntry in which You die; or

ii) tr ansportation charges for

r eturning Your body or a shes

ba ck to the

Unit ed Kingdom .

D. Em ergency Dental Treatment

A ll medically necessary and reasonable

cost to prov ide emergency dental

tr eatment for the relief of pa in only,

ou tside of the United Kingdom .

Special Conditions

1 . If You a re injured or become ill

A broad You must follow the

pr ocedure detailed under ‘Making a

Cla im’ on page 29 of this Policy. If You

do n ot , We may reject Your Claim or

r educe the amount that We pay You.

2. Ch u bb Assistance may:

A. m ov e You from one hospital to

a n other; and/or

B. r eturn You to Your home in the

Unit ed Kingdom ; or mov e You

to th e most suitable hospital in

th e United Kingdom;

a t a ny t ime, if Chubb Assistance

believes that it is necessary and sa fe to

do so.

3. A dditional travel and hotel expenses

m ust be authorised in a dvance by

Ch u bb Assistance .

4. A ll original r eceipts must be kept and

pr ov ided to support a Claim .

UK-CM0006 16

What is not covered

1 . A ny Claim Du e To:


con dition that was diagnosed,

tr eated or required hospital

in patient or outpatient treatment

in the 5 year period before Your

T rip was booked (or


Insu rance if later);


con dition for which You are

being prescribed regular

m edication by a Doctor a t the

da te Your Trip was booked (or


Insu rance if later);


a ny type of cancer diagnosed at

a ny time before Your Trip was


Period of Insurance

if la ter).

2. A ny treatment or surgery or

ex ploratory tests:

A. n ot confirmed a s medically

n ecessary; or

B. n ot directly related to the injury

or illness that You were admitted

to h ospital for.

3. Su rgery, medical or preventative

tr eatment which can be delayed in the

opin ion of the Doct or treating You

u n til You r eturn to the

Unit ed Kingdom .

4. A ny costs incurred following Your

decision n ot to move hospital or return

to th e United Kingdom after the

da te when, in the opinion of Chubb

A ssistance, You should do so.

5 . Cosm etic Surgery.

6. Tr eatment or services prov ided by any

conv alescent or nursing home,

r ehabilitation centre or health spa.

7 . A ny medical treatment that You

t r avelled Abroad to obtain.

8. Medication You are taking before, and

w h ich You will have to continue

ta king during, a Trip.

9. A ny expenses incurred in the

Unit ed Kingdom.

10. A ny additional travel and

a ccommodation expenses incurred

w h ich have not been authorised in

a dv ance by Chubb Assistance .

11 . A ccommodation and travel expenses

w h ere the transport and/or

a ccommodation used is of a standard

su perior to that of the Trip.

12. A ny additional costs for single or

pr iv ate room a ccommodation.

13. Cr emation or burial costs in the

Unit ed Kingdom .

14. Th e cost of medical or surgical

tr eatment of a ny kind received by a

Person Insured later than 52 weeks

fr om the date of the accident or

commencement of the illness.

15. Th e Excess, except where You have

obta ined a reduction in the cost of

m edical expenses by using a European

Hea lth In surance Card (EHIC) in the

Eu r opean Union, (including Iceland,

Liechtenstein, Norway & Switzerland)

if You r equire medical treatment

w h ilst in the country.

16. A ny Claim when You have travelled

a g ainst the a dvice of Your Doctor.

17 . A ny complication in pregnancy that

w a s known by You a t the t ime

of tr avel.

Section 3 – Hospital Benefit

What is covered

If You a re a dmitted to a hospital as an in-

pa t ient during a Trip Du e T o injury or

illness for which You have a valid Claim

u n der Section 2 – Medical Ex penses &

Repa triation, We will pay the benefit

a m ount stated in the Table of Ben efits for

ea ch complete 24 h ours that You remain a

h ospital in-patient, up to the maximum

a m ount stated in the Table of Ben efits.

What is not covered

We w ill not pay for time You spend in an

in st itution n ot recognised as a hospital in

th e country of treatment.

UK-CM0006 17

Section 4 – Travel Delay / Abandonment

What is covered

If You a re delayed for at least 6 hours on

You r outbound international Trip or the

fin al part of Your international return Trip

because the scheduled departure of Pu blic

T ransport is affected by a strike; industrial

a ct ion; Adverse Weather; mechanical

br eakdown or grounding of a n aircraft Du e

T o m echanical or structural defect, We

w ill either:

A. pay the Travel Delay benefit stated in

th e Table of Ben efits; or

B. if You a bandon Your T rip a fter a

delay of a t least 24 hours of the

sch eduled outbound international

depa rture, We will refund Your

u n used travel and accommodation

costs u p to the amount stated in the

Ta ble of Benefits that You have paid or

a r e contracted to pay and which cannot

be r ecovered from any other source.

Special Conditions

1 . You can on ly Claim under item A or

item B a bov e, n ot both.

2. You must:

A. ch eck-in before the scheduled

depa rture t ime shown on Your

t r avel itinerary; and

B. comply with the travel agent, tour

oper ator and transport prov iders

con tract terms; and

C. pr ov ide Us w ith written details

fr om the Public T ransport

oper ator describing the length of,

a n d reason for, the delay; and

D. a llow r easonable t ime to arrive at

You r departure point on t ime.

What is not covered


A. Pu blic Transport being taken

ou t of service on the instructions

of a Civ il Aviation Authority, Port

A u thority or similar authority;

B. a str ike if it had started or been

a n nounced before You arranged

th is insurance;

C. a ny journey by Public

T ransport commencing and

en ding in the country of

depa rture.







or ex change fees in r elation to

t imeshares or similar arrangements.

3. A ccommodation and travel expenses

w h ere the additional transport and/or


su perior to that of the or iginal T rip.

4. A ny Claim Du e To Your n ot

a llowing sufficient t ime for the

jou rney.


A. You r travelling against the

a dv ice of the appropriate national

or local authority;



6. A ny expenses that:

A. You can recov er from any tour

oper ator, airline, hotel or other

serv ice prov ider;

B. You w ould n ormally have to pay

du r ing Your Trip.

7 . A ny Claim for Travel Abandonment

ca used by volcanic ash.

8. Th e Excess, if a T rip

is a bandoned.

UK-CM0006 18

Section 5 – Missed Departure

What is covered

We w ill pay up to the amount stated in the Ta ble of Benefits for n ecessary and

r ea sonable additional a ccommodation

(r oom only) and travel expenses to enable

You to r each:

1 . You r scheduled destination A broad

if, on Your outbound journey, You

a r rive too late at Your final point of

in ternational departure to board the

Pu blic Transport on which You are

booked to travel ; or

2. On You r return journey, You arrive

too la te at Your final point of

in ternational departure to board the

Pu blic Transport on which You are

booked to travel.;

Du e T o:

1 . th e car/taxi You are travelling in

br eaking down or being involved in an

a ccident; or

2. th e Public T ransport You are

tr avelling in failing to arrive on

sch edule.

Special Conditions

1 . You must:

A. pr ov ide ev idence of a ll the extra

costs You incurred

B. a llow r easonable t ime to arrive at

You r departure point on t ime

C. for car breakdown/accident

pr ov ide Us w ith:

i) a w ritten r eport from the

v ehicle breakdown service

or g arage that assisted You

du r ing the incident; or

ii) r easonable ev idence that the

v ehicle used for travel was

r oa dworthy, properly

m a intained and broke down

a t the t ime of the incident

D. for la te arrival of Public

T ransport prov ide Us w ith:

i) r ea sonable ev idence of the

pu blished t ime of a rrival

a n d the a ctual t ime of

a r rival.

What is not covered


A. Pu blic Transport being taken

ou t of service on the instructions

of a Civ il Aviation Authority, Port

A u thority or similar authority;

B. a str ike if it had started or been

a n nounced before You arranged

th is insurance or booked Your

T rip, whichever is the later.










w h ere the additional transport and/or


su perior to that of the

or ig inal Trip.

4. A ny Claim Du e To You n ot allowing

su fficient t ime for the journey.


A. You r travelling against the

a dv ice of the appropriate national

or local authority;



6. A ny expenses that:

A. You can recov er from any tour

oper ator, airline, hotel or other

serv ice prov ider;

B. You w ould n ormally have to pay

du r ing Your Trip.

7 . Th e Excess

UK-CM0006 19

Section 6 –Curtailment

What is covered

We w ill pay:

A. u n used a ccommodation costs

(in cluding excursions pre-booked and

pa id for before starting Your Trip,

w h ich You have paid or are contracted

to pay and which cannot be r ecov ered

fr om any other source; and

B. r ea sonable additional travel and

a ccommodation (room on ly) costs

n ecessarily incurred in Your r eturning

to You r home in the

Unit ed Kingdom .

u p to the amount shown in the Table of

Ben efits, if it becomes necessary to, Curtail

a T rip Du e To:

1 . You , Your T ravelling

Com panion(s)

A. dy ing; or



illness; or







obstetrics); or

E. being compulsorily quarantined

on th e or ders of a

t r eating Doct or;

pr ov ided that such Curtailment is



2. You r Immediate Family Member

or Close Bu siness Colleague or

You r Travelling Companion's

Im m ediate Family Member or

Close Bu siness Colleague or

som eone You have arranged to stay

w ith on Your Trip:

A. dy ing; or



illness; or







obstetrics); or

pr ov ided that such Curtailment is



3. Th e police r equiring You or Your

T ravelling Com panion’s presence

follow ing a burglary or attempted

bu rglary at Your or Your Travelling

Com panion’s home

4. Ser ious fire storm or flood damage to

You r or Your Travelling

Com panion’s home; prov ided that

su ch damage occurs after Your Trip

commences.

What is not covered

1 . A ny Claim Due To




th at was diagnosed, treated or

r equ ired hospital inpatient or

ou tpatient treatment in the 5 year

per iod before Your Trip was




h av ing to Curtail Your Trip;




for w hich they are being

pr escribed regular medication by

a Doct or a t the date Your Trip

w a s booked (or commencement

of th e Period of Insurance if

la ter), and which could result in

You h aving to Curtail Your

T rip;


a ny type of cancer affecting any

per son upon whom Your T rip

depends diagnosed at any t ime

befor e Your Trip was booked

(or commencement of the



h av ing to Curtail

You r Trip;

D. a ny adverse financial situation

ca using You to Curtail

You r Trip;

E. You or Your Travelling

Com panion(s) deciding that

UK-CM0006 20

You do n ot want to r emain

on You r Trip .

2. A ny loss, charge or expense Du e T o:

F. a delay in n otifying the tour

oper ator, travel agent, or

tr ansport or accommodation

pr ov ider that it is necessary to

Cu rtail a booking;

G. pr oh ibitive regulations by the



sett led using any kind of promotional








w h ere the transport and/or


su perior to that of the Trip.

5 . Th e Excess.

Section 7 – Personal Effects & Baggage

What is covered


If Per sonal Property is Lost, damaged

or stolen during Your Trip, We will pay

Repa ir and Replacement Costs up to

th e amount stated in the Table of

Ben efits.

B. Dela y ed Baggage

If Personal Property is Lost or

m isplaced for a t least 12 h ours on

You r outbound journey by the airline

or oth er carrier, We will pay up to the

a m ount stated in the Table of Ben efits

to r eimburse You for the cost of

essen tial items of clothing, medication,

toiletries and Mobility Aids that You

h av e to purchase.

Special Conditions

1 . You must take reasonable care to keep

You r Personal Property sa fe. If

You r Personal Property is Lost or

stolen You must take a ll r easonable

steps to g et it back.

2. V a luables must be attended by You

a t a ll t imes when not contained in a

locked sa fe or safety deposit box.

3. If You r Personal Property is Lost

or stolen You must make ev ery

r ea sonable effort to report it to the

police (and h otel management if the

Loss or th eft occurs in a hotel) within

2 4 hours of discovery and You must

pr ov ide Us w ith a copy of the original

w r itten police r eport.

4. Loss, th eft or damage to Personal

Property in the custody of an a irline

or oth er carrier must be r eported in

w r iting to the airline or other carrier

w ithin 24 h ours of discov ery and We

m ust be prov ided with a copy of the

or ig inal written a irline or carrier’s

Pr operty Ir regularity report;

5 . Wh ere Personal Property is

temporarily Lost or misplaced by an

a ir line or other carrier We must be

pr ov ided with original written

con firmation from such airline or

oth er carrier or the tour r epresentative

th at the delay lasted for at least 12

h ou rs after You arrived at Your

dest ination.

6. If You h ave been paid for emergency

pu r chases of essential items and You

th en also Claim for Loss, damage or

th eft of Personal Property r esulting

fr om the same item, cause or ev ent, the

a m ount paid to You for emergency

pu r chases will be deducted from the

fin al settlement payment. However,

a ny deduction will not be any more

th an the amount paid for emergency

pu r chases.

What is not covered

1 . Mor e than the amount stated in the

Ta ble of Benefits for:

A. a sin gle item, pair or set, or part

of a pa ir or set;

B. V a luables in total;

C. spor ts equipment in total

2. Loss or th eft of Valuables left

Una ttended unless contained in a


3. Loss or th eft of any Personal

Property (other than Valuables) left

Una ttended unless:

A. con tained in

i) a locked room; or

UK-CM0006 21

ii) a locked safe or sa fety

deposit box; or

iii) th e locked glove box or boot

of a v ehicle or in the luggage

spa ce at the r ear of a locked

esta te car or hatchback

u n der a top cov er and out of

v iew;

a n d there is ev idence of for ced

en try to the r oom, safe, safety

deposit box or car, or the car has

been stolen;

B. in the custody or control of a n

a ir line or other carrier.

4. Loss, th eft or damage to:

A. a n tiques, musical instruments,

pictures, household goods,

con tact or corneal lenses,

den tures, or dental fittings,

h earing aids, bonds, securities or

documents of any kind;

B. spor ts equipment whilst being

u sed, v ehicles or their a ccessories

(oth er than Mobility A ids),

w a tercraft and ancillary

equ ipment, glass china or sim ilar

fr a gile items and pedal cycles;

C. bu siness equipment, business

g oods, samples, business

Mon ey , tools of trade or any

oth er item used in connection

w ith Your business, trade or

occu pation;

5 . Depr eciation in value, normal wear

a n d tear, denting or scratching,

da mage by moth or vermin, electrical,

electronic or mechanical breakdown,

or damage Du e T o atmospheric or

climatic conditions.

6. Delay , detention, seizure or

con fiscation by customs or other

officials.

7 . Th e Excess (not applicable to delayed

ba ggage Claims).

Section 8 – Business Equipment

What is covered


We w ill pay up the amount stated in the Table of Benefits for the Repair a nd Replacement Costs of Your bu siness equipment (limited to audio,

v isual, video, photographic, computer equ ipment and samples) if it is Lost, stolen or damaged.

B. Bu sin ess equipment h ire

If bu siness equipment (limited to audio, v isual, video, photographic, computer equ ipment and samples) held by You for bu siness reasons is Lost, stolen or da maged, You will be cov ered for the r ea sonable cost of hiring replacement equ ipment up to the amount stated in th e Table of Ben efits.

Special Conditions

1 . For temporary Loss, a s well as getting a n authorised “ property irregularity r eport” from the carrier or handling a g ent, You must also write to them w ithin 21 days of r eceiving Your pr operty back to confirm You had to buy r eplacement items.

2. If You r business equipment is n ever fou n d and We agree to pay for permanent Loss, We will take off any a m ount We have a lready paid for temporary Loss.

3. You must keep any damaged property so th at We can inspect it. When We m a ke a payment for replacement of that pr operty, it will then belong to Us.

What is not covered

1 . A ny exclusion a pplicable to Section 7 . Personal Effects & Ba ggage a lso a pply to this section except ex clusion 4.C., which is not a pplicable.

2. Th e Excess.

Section 9 – Loss of Passport / Driving Licence

What is covered

If You r passport and/or driving licence is

Lost , destroy ed or stolen while You are on

a T rip A broad, We will pay up to the

a m ount stated in the Table of Ben efits to

cov er the cost of:

1 . g etting any temporary replacement

documents needed to enable You to

r eturn from Your Trip including any

a dditional travel and a ccommodation

(r oom only) costs incurred by You or

on You r behalf during Your T rip to

obta in such documents; and

UK-CM0006 22

2. th e replacement passport or driving

licence fee payable, prov ided that it

r emained v alid for a t least 2 years a t

th e date it was Lost, destroy ed

or stolen.

Special Conditions


You r passport and/or driving licence

sa fe. If Your passport a nd/or driving

licence is Lost or stolen You must

ta ke all reasonable steps to g et it back.

2. You r passport and/or driving licence

m ust be attended by You a t all times

w h en not contained in a locked safe or

sa fety deposit box.

3. If You r passport and/or driving

licence is Lost or stolen You must

m a ke ev ery r easonable effort to report

it to the police (and h otel management

if th e Loss or theft occurs in a hotel)

w ithin 24 h ours of discov ery and You

m ust prov ide Us w ith a copy of the

or ig inal written police report.

What is not covered

1 . Loss or th eft of any passport or

dr iv ing licence left Unattended

u n less contained in a locked sa fe or

sa fety deposit box.


con fiscation by customs or

oth er officials.

Section 10 – Personal Money

What is covered


Ta ble of Benefits if Mon ey held by You for

You r own personal use is Lost or stolen du r ing a Trip whilst:

1 . being carried by You; or

2. left in a locked sa fe or safety deposit

box .

Special Conditions


You r Mon ey safe. If You r Mon ey is

Lost or stolen You must take all

r ea sonable steps to get it back.

2. You r Mon ey must be attended by

You a t a ll t imes when not contained in

a locked safe or sa fety deposit box.

3. If You r Mon ey is Lost or stolen You

m ust make ev ery r easonable effort to

r eport it to the police (and hotel

m anagement if the Loss or theft

occurs in a h otel) within 24 h ours of

discov ery and You must provide Us

w ith a copy of the or iginal written

police report.

What is not covered

1 . Mor e than the amount stated in the

Ta ble of Benefits for cash.

2. Loss or th eft of Mon ey left

Una ttended unless contained in a



con fiscation by customs or other

officials.

4. Tr aveller’s cheques:

A. u n less the Loss or theft is

r eported immediately to the local

br anch or agent of the issuing

com pany;

B. if th e issuing company prov ides a

r eplacement service.

5 . Depr eciation in value or sh ortage Du e

T o a ny error or omission.

6. Th e Excess.

Section 11 – Personal Accident

What is covered

If You su ffer physical injury caused by an

A ccident during a Trip which, within 12

m on ths, directly r esults in Your:

1 . Dea th; or

2. Loss of Sigh t; or

3. Loss of Lim b; or

4. Permanent Total Disablement .

We w ill pay the appropriate benefit stated

in the Table of Benefits.

UK-CM0006 23

Special Conditions

We w ill not pay more than one benefit for

th e same physical injury.

What is not covered

Dea th, Loss of Sight, Loss of Limb or

Permanent Total Disablement Du e T o

disea se or any physical defect, injury or

illness which existed before the Trip.

Section 12 – Personal Liability

What is covered

We w ill cover You up to the Limit of

Lia bility stated in the Table of Benefits

a g ainst all sums which You are legally liable

to pay a s damages in respect of:

1 . a ccidental bodily injury (including

dea th illness or disease) to any person;

2. a ccidental loss of or damage to

m aterial property;

w h ich occurs during the Period of

Insu rance arising out of the Trip.

Th e maximum that We will pay under this

Sect ion for all damages as a result of any

on e occurrence or series of occurrences

a r ising directly or indirectly from one source

or or iginal cause shall be the Limit of

Lia bility stated in the Table of Benefits. We

w ill in addition pay Costs a nd Expenses.

Cost s a nd Expenses shall mean:

1 . a ll costs and expenses recov erable by a

cla imant from You;

2. a ll costs and expenses incurred with

Ou r written consent;

3. solicitors’ fees for representation at

a ny coroner’s inquest or fatal a ccident

in qu iry or in any Court of Summary

Ju r isdiction;

in r espect of a ny occurrence to which this

Sect ion applies – ex cept that in respect of

occurrences happening in or claims or legal

pr oceedings brought or originating in the

Un ited States of America and Canada or any

oth er territory within the jurisdiction of

either such country, Costs and Expenses

described in 1., 2., and 3. abov e are deemed

to be in cluded in the Limit of Liability for

th is Section.

Special Conditions

1 . We m ay at Ou r sole discretion in

r espect of any occurrence or

occurrences cov ered by this Section

pa y to You the Limit of Liability stated

in the Table of Benefits applicable to

su ch occurrence or occurrences (but

dedu cting therefrom any sum(s)

a lready paid) or any lesser sum for

w h ich the Claim(s) arising from such

occurrence(s) can be settled and We

sh a ll thereafter be under n o further

lia bility in r espect of such

occurrence(s) except for the payment

of Cost s a nd Expenses incurred

pr ior to the date of su ch payment and

for w hich We may be responsible

h er eunder.

2. If a t the time of the happening of any

occurrence cov ered by this Section

th ere is any other existing insurance

w h ether taken out by You or not

cov ering the same liability We shall

n ot be liable to indemnify You in

r espect of such liability except so far as

con cerns a ny excess beyond the

a m ount which would have been

pa y able under such other insurance

h a d this Section n ot been effected.

What is not covered

Cov er for any liability:

1 . in r espect of bodily injury to any

per son who is:

A. u n der a contract of service with

You w hen such injury arises out

of a n d in the course of their

em ploy ment by You;

B. a m ember of Your family.

2. a ssumed by You under a contract or

a g reement unless such liability would

h av e a ttached in the absence of su ch

con tract or agreement;

3. in r espect of loss of or damage to

pr operty:

A. belonging to You;

B. in You r care custody or control.

How ev er this Ex clusion shall not apply

in r espect of loss of or damage to

bu ildings and their contents not

belonging to but temporarily occupied

by You in the course of the Trip.

4. in r espect of bodily injury loss or

da mage caused directly or indirectly in

con nection with:

UK-CM0006 24

A. th e carrying on of a ny trade,

bu siness or profession;

B. th e ownership, possession or use

of:

i) h or se-drawn or

m echanically propelled

v ehicles;

ii) a ny aerospatial dev ice or

a ny airborne or waterborne

cr aft or v essel (other than

n on -mechanically powered

w a terborne craft not

ex ceeding 10 metres in

len gth whilst used on inland

w a ters) or the loading or

u n loading of su ch craft or

v essel;

iii) fir earms (other than

spor t ing guns);

iv ) a r ising from the occupation

or ow nership of any land or

bu ilding other than any

bu ilding temporarily

occu pied by You in the

cou rse of a T rip.

5 . in r espect of a ctivities or v olunteer

w or k organised by or when the

in dividual is a ssigned ov erseas by or

u n der the auspices of a charitable

v oluntary not for profit social or

sim ilar organisation except where no

oth er insurance or cov er is available.

6. in r espect of punitive or exemplary

da mages.

7 . in r espect of the Excess.

Section 13 – Overseas Legal Expenses

What is covered

If du ring a T rip You sustain bodily injury

or illness which is caused by a third party


Ta ble of Benefits to cover Legal Expenses

a r ising out of A ny One Claim.

Special Conditions

1 . Lega l Representatives must be

qu a lified to practise in the Courts of

th e country where the event g iving r ise

to th e Claim occurred or where the

pr oposed defendant under this Section

is r esident.

2. We sh a ll a t all t imes have complete

con trol ov er the legal proceedings.

Ou tside the Eu ropean Union, the

selection, appointment and control of

Lega l Representatives shall rest

w ith Us. Within the European Union,

You do n ot have to a ccept the Legal

Representatives chosen by Us. You

h av e the right to select and a ppoint

Lega l Representatives a fter legal

pr oceedings have commenced subject

to Ou r agreement to the Legal

Representatives' fee or charging

r a tes. If there is a disagreement ov er

th is choice of Legal

Representatives You can propose

Lega l Representatives by sending

Us th e proposed Legal

Representatives’ name and a ddress.

We m ay choose not to accept Your

pr oposal but only on r easonable

g r ounds. We may ask the ruling body

for Legal Representatives to

n om inate alternative Legal

Representatives. In the meantime,

We m ay appoint Legal

Representatives to protect

You r interests.

3. You must co-operate fully with the

Lega l Representatives and ensure

th at We are fully informed at all t imes

in connection with any Claim or legal

pr oceedings for damages and or

com pensation from a third party. We

a r e entitled to obtain from the Legal

Representatives any information,

document or a dvice relating to a

Cla im or legal proceedings under this

In su rance. On request You will give to

th e Legal Representatives any

in structions necessary to ensure

su ch access.

4. Ou r a uthorisation to incur Legal

Expenses will be g iven if You can

sa t isfy Us that:

A. th ere are r easonable grounds for

pu r suing or defending the Claim

or legal proceedings and the

Lega l Expenses will be

pr oportionate to the v alue of the

Cla im or legal proceedings; and

B. it is r easonable for Legal

Expenses to be prov ided in a

pa r ticular case. The decision to

g r ant authorisation will take into

a ccount the opinion of the Legal

Representatives a s well a s that

of Ou r ow n advisers. If there is a

dispute, We may request, a t

You r expense, an opinion of a

UK-CM0006 25

ba rrister a s to the merits of the

Cla im or legal proceedings. If

th e Claim is a dmitted, Your

costs in obtaining this opinion

w ill be cov ered by this Policy.

5 . If th ere is any dispute, other than in

r espect of the admissibility of a Claim

on w hich Ou r decision is final, the

dispute will be referred to a single

a r bitrator who will be either a solicitor

or ba rrister agreed by a ll parties, or

fa iling agreement, one who is

n om inated by the current President of

th e appropriate Law Society. The party

a g ainst whom the dec ision is made

sh a ll meet the costs of the arbitration

in fu ll. If the decision is n ot clearly

m a de a gainst either party the

a r bitrator shall have the power to

a pportion costs. If the decision is made

in Ou r favour, Your costs shall n ot be

r ecov erable under the In surance.

6. We m ay at Ou r discretion assume

con trol at any t ime of any Claim or

leg al proceedings in Your name for

da mages and/or compensation from a

th ird party.

7 . We m ay at Ou r discretion offer to

sett le a counter-claim a gainst You

w h ich We consider to be reasonable

in stead of continuing any Claim or

leg al proceedings for damages and/or

com pensation by a third party.

8. Wh ere settlement has been made to

You w ithout legal costs being

a pportioned, We will determine h ow

m uch of that settlement sh ould be

a pportioned to legal costs and

ex penses and paid to Us.

9. If a con flict of interest arises, where

We a r e also the insurers of the third

pa r ty or proposed defendant to the

Cla im or legal proceedings, You have

th e right to select and a ppoint other

Lega l Representatives in

a ccordance with the terms of this

In su rance.

10. If a t Your request Legal

Representatives cease to continue

a ct ing for You, We shall be entitled to

w ithdraw cov er immediately or agree

w ith You to a ppoint other Legal

Representatives in accordance w ith

th e terms of this In surance.

What is not covered

1 . A ny Claim r eported to Us more than

1 2 months after the beginning of the

in cident which led to the Claim.

2. A ny Claim where it is Ou r opinion

th at the prospects for success in

a chieving a reasonable settlement are

in sufficient and/or where the laws,

pr a ctices and/or financial regulations

of th e country in which the incident

occurred would preclude the obtaining

of a sa t isfactory settlement or the costs

of doin g so would be disproportionate

to th e value of the Claim.

3. Lega l Expenses incurred before

r eceiving Ou r prior authorisation

in w riting.

4. Lega l Expenses incurred in

con nection with any criminal or wilful

a ct on Your part.

5 . Lega l Expenses incurred in the

defen ce against any civil claim or legal

pr oceedings made or brought against

You u nless a s a counter-claim.

6. Fin es, penalties compensation or

da mages imposed by a court or other

a u thority.

7 . Lega l Expenses incurred for any

Cla im or legal proceedings

br ought against:

A. a tour operator, travel agent,

ca rrier, insurer or their agents

w h ere the subject matter of the

Cla im or legal proceedings is

elig ible for consideration under

a n Arbitration Scheme or

Com plaint Pr ocedure;

B. Us or Ou r agents; or

C. You r employer.

8. A ctions between Persons Insured or

pu r sued in or der to obtain satisfaction

of a ju dgement or legally

bin ding decision.

9. Lega l Expenses incurred in pursuing

a ny Claim for compensation (either

in dividually or as a member of a group

or class action) against the

m anufacturer, distributor or supplier

of a ny drug, medication or medicine.

10. Lega l Expenses chargeable by the

Lega l Representatives under

con tingency fee arrangements.

UK-CM0006 26

11 . Lega l Expenses incurred where

You h ave:

A. fa iled to co-operate fully with and

m a ke sure that We are fully

in formed at a ll t imes in

con nection with any Claim or

leg al proceedings for damages

a n d or compensation from a third

pa r ty; or

B. sett led or withdrawn a Claim in

con nection with any Claim or

leg al proceedings for damages

a n d or compensation from a third

pa r ty without Ou r agreement. In

su ch circumstances We shall be

en t itled to withdraw cover

immediately and to r ecov er any

fees or ex penses paid.

12. Lega l Expenses incurred after You

h av e n ot:

A. a ccepted an offer from a third

pa r ty to settle a Claim or legal

pr oceedings where the offer is

con sidered r easonable by Us; or

B. a ccepted an offer from Us to

sett le a Claim .

13. Lega l Expenses which We consider

u n reasonable or excessive or

u n reasonably incurred.

UK-CM0006 27

General Exclusions

Ex clusions that a pply to the whole Policy.

We w ill not pay any Claims which would

r esult in Us being in breach of United

Na tions resolutions or trade or economic

sa n ctions or other laws of the Eu ropean

Un ion, United Kingdom , or United States

of A m erica.

A pplicable to US Persons only: Policy cov er

for a T rip involving travel to/from/through

Cu ba will on ly be effective if the US Person’s

tr avel has been authorised by a general or

specific licence from OFAC (US Treasury ’s

Office of Foreign Asset Control). For any

Cla im from a US Person relating to Cuba

tr avel, We will require verification from the

US Per son of such OFAC licence to be

su bmitted with the Claim . US Persons shall

be deemed to include any individual

w h erever located who is a citizen or

or dinarily r esident in the United States

(in cluding Green Card Holders) as well as

a ny corporation, partnership, a ssociation, or

oth er organisation, wherever or ganised or

doin g business, that is owned or controlled

by such persons.

You sh ould contact Us on +44 (0) 161 333

6 160 for clarification of Policy cover for

tr avel to countries which may be subject to

Un ited Nations resolutions or trade or

econ omic sanctions or other laws of the

Eu r opean Union, United Kingdom, or

Un ited States of America.

We w ill not be liable to make any payment

u n der this Policy where:

1 . Person s Covered

You do n ot meet the criteria detailed

u n der Important In formation on page

8 of th is Policy.

2. Ch ildren travelling alone

You a re a Child travelling or booked

to tr avel without an a dult Person

Insu red named in the

Cer tificate of In surance.

3. T rips not covered

You r Trip is described under “Trips

Not Cov ered”, on page 8 of this Policy.

4. a ny Claim is Du e To:

A. Not t aking m edication or

t reatment

a Person Insured choosing not

to ta ke medication or other

r ecommended treatment as

pr escribed or directed

by a Doct or.

B. T ropical disease where

not vaccinated

a tr opical disease where the

Person Insured has n ot had

th e vaccinations or taken the

m edication recommended by the

Unit ed Kingdom Department

of Hea lth or required by the

a u thorities in the country being

v isited, unless they have written

con firmation from a Doct or that

th ey sh ould not be vaccinated or

ta ke the medication,

on m edical grounds.

C. A nxiety state or phobia

a Person Insured suffering

fr om any travel-related anxiety

sta te, or phobia.

D. Exclu ded leisure a ctivities

or sports

You taking part in any of the

follow ing while on a T rip:

i) a ny leisure activities or

spor ts not specifically

cov ered under "Leisure

A ct ivities & Sports"

ii) a ny leisure activities or

spor ts in a professional

ca pacity or for financial

r eward or g ain

iii) a ir travel unless You are

tr avelling a s a fare paying

pa ssenger on a flight which

is pr ov ided by a licensed

a ir line or air

ch arter company

E. Cu rrency

Cu rrency exchange, including but

n ot limited to a ny loss of value or

cu rrency conversion fees.

F. Illegal A cts

A ny illegal a ct by You.

UK-CM0006 28

G. A lcohol/drugs

i) A lcohol

You dr inking too much

a lcohol, alcohol abuse or

a lcohol dependency. We do

n ot expect You to avoid

a lcohol on T rips, but We

w ill not cov er any Claims

a r ising because You have

dr unk so much alcohol that

You r judgement is

ser iously a ffected and You

n eed to make a Claim as a

r esult (for example any

m edical report or ev idence

sh ow ing excessive alcohol

con sumption which in the

opin ion of a Doct or has

ca used or contributed to the

bodily injury).

ii) Dr u gs

You taking any drugs in

con travention of the laws

a pplicable to the country

You a re travelling to, or

h av ing a n addiction to or

a busing any medications, or

being under the influence of

a ny non-prescribed

m edication which is

cla ssified as a legal h igh in

th e country You are

tr avelling to.

H. Su icide/self-injury

i) You r suicide, attempted

su icide or deliberate self-

in flicted injury regardless of

th e state of Your mental

h ea lth; or

ii) You r needless self-

ex posure to danger or where

You have acted in a manner

con trary to visible warning

sig n s except in an attempt

to sa v e human life.

I. Ra diation

i) ion ising radiation or

con tamination by

r a dioactivity from any

n u clear fuel or from any

n u clear waste resulting

fr om the combustion of

n u clear fuel; or

ii) th e radioactive, toxic,

ex plosive or other

h a zardous properties of a ny

ex plosive nuclear assembly

or n u clear component of

su ch assembly.

J. Son ic wa ves

pr essure waves from a ircraft and

oth er airborne devices travelling

a t son ic or supersonic speeds.

K. Wa r

Wa r or any a ct of War whether

Wa r is declared or not.

L. Financial Failure

Th e financial failure of a tour

oper ator, travel agent, transport

pr ov ider, accommodation

pr ov ider, ticketing agent or

ex cursion prov ider.

UK-CM0006 29

Making a Claim

Con ditions that a pply to the whole Policy.

1 . If You a re injured or become ill

A broad and n eed:

A. h ospital in patient treatment,

specialist treatment, medical

tests, scans or to be brought back

to th e United Kingdom:

You must contact Chubb

A ssistance immediately on:

+44 (0) 161 333 7780.

If You cannot do this yourself,

You must arrange for a personal

r epresentative (for example, a

spou se or parent) to do this for

You . If Ch ubb A ssistance are

n ot contacted, any expense

in curred by You that would

oth erwise n ot have been incurred

h a d Chubb A ssistance been

con tacted will be deducted from

You r Claim

B. m edical treatment other than

u n der A. above - You must

follow the procedure detailed

u n der condition 2. below. You

ca n make use of the services

pr ov ided by Chubb A ssistance,

a s a ppropriate (these are detailed

on pa ge 11 of this Policy).

2. A ll other Claims

You must notify Us immediately by

telephone or email as soon a s

r ea sonably possible and within 30 days

of becoming aware of anything likely to

r esult in a Claim.

A per sonal r epresentative can do this

for You if You cannot.

We ca n be contacted at:


Tel: +44 (0) 161 333 6160

Reporting Lost, Stolen or Damaged Property

1 . Lost or stolen Personal Property ,

Mon ey , passport or driving licence.

You must make every reasonable

effor t to obtain a police r eport within

2 4 hours of discovery.

• If Lost or stolen from a h otel,

You must make every reasonable

effor t to notify the h otel

m anagement; and

• If th e Mon ey You have Lost or

h a d stolen includes travellers

ch eques, You must make every

r ea sonable effort to notify the

loca l branch or agent of the

issu ing company; and

• Pr ov ide Us w ith a copy of the

or ig inal written r eports.

2. Person al Property Lost , stolen or

da maged whilst in the custody of a n

a ir line or other carrier.

You must notify the a irline or other

ca rrier in writing within 24 h ours of

discov ery and prov ide Us w ith a copy

of th e or iginal Property

Ir r egularity Report.


UK-CM0005 30

Claim Conditions

Other Insurance

If, a t the t ime of a n incident which results in

a Cla im under this Policy, there is any other

in surance covering the same Loss, damage,

ex pense or liability, We are entitled to

a pproach that insurer for a contribution

tow ards the Claim, and will on ly pay Our

pr oportionate share. This condition does not

a pply to Section 3 – Hospital Benefit or

Sect ion 11 - Per sonal Accident of this Policy.

Recovering Our Claims Pay ments from Others

We a r e entitled to take ov er and carry out in

You r name the defence or settlement of any

leg al a ction. We may a lso take proceedings

a t Ou r own expense and for Our own

ben efit, but in Your name, to r ecov er any

pa y ment We have made under this Policy to

a ny one else.

Comply ing with Special Conditions

You must comply with the Special

Con ditions detailed in the r elevant Section

of th is Policy.

Supply ing Details & Documents

You must supply a t Your own expense any

in formation, ev idence and r eceipts We

r equ ire including medical certificates signed

by a Doct or, police r eports and

oth er reports.

Y our Duty to Avoid or Minimise a Claim

You a nd each Person Insured must take

or dinary and r easonable care to safeguard

a g ainst Loss, damage, Accident, injury or

illness as though You were not insured. If

We believe You have n ot taken reasonable

ca re of property, the Claim may n ot be

pa id. The items insured under this Policy

m ust be maintained in good condition.

Protecting Property

You must take all reasonable steps to

pr otect any item or property from further

Loss or da mage and to r ecov er any Lost or

stolen article.

Sending Us Legal Documents

You must send Us a ny or iginal writ,

su mmons, legal process or other

cor respondence received in connection with

a Cla im immediately when it is received

a n d without answering it.

Subrogation

We m ay take action in Your name to

r ecov er compensation or security for loss,

da mage or expenses covered by this

in surance. You w ill n ot have to pay

a ny thing towards this action but We will be

en t itled to retain some or all of a ny

a m ount recovered.

Things Y ou Must Not Do

You must not do the following without Our

w r itten agreement:

1 . a dmit liability, or offer or promise to

m a ke any payment; or

2. sell or otherwise dispose of a ny item or

pr operty for which a Claim is

being made

Recognising Our Rights

You a nd each Person Insured must

r ecognise Ou r right to:

1 . ch oose either to pay the amount of a

Cla im (less any Excess and up to any

Policy limit) or repair, replace or

r einstate any item or property that is

da maged, Lost or stolen;

2. in spect and take possession of any

item or property for which a Claim is

being made and handle any sa lvage in

a r easonable manner;

3. ta ke ov er and deal with the defence or

sett lement of any Claim in Your

n ame and if a settlement is made

w ithout costs being awarded,

determine what proportion of those

costs sh ould be paid for costs &

ex penses and paid to Us;

4. sett le all Claims in pounds sterling;

5 . be r eimbursed within 30 days for any

costs or expenses that are not insured

u n der this Policy, which We pay to

You or on Your behalf;

UK-CM0006 31

6. be su pplied at Your expense with

a ppropriate original medical

cer tificates where r equired before

pa y ing a Claim;

7 . r equ est and carry out a medical

ex amination and insist on a post-

m ortem examination, if the law allows

Us to a sk for on e, at Ou r expense.

Fraudulent Claims

We w ill not pay dishonest Claims. If You

m a ke a dishonest Claim, We may cancel

You r cover.

Pay ing Claims

1 . Dea t h

A. If You a re 18 y ears old or ov er,

We w ill pay the Claim to Your

esta te and the r eceipt g iven to Us

by Your personal representative

(in most cases, the executor

a ppointed under Your will) shall

be a fu ll discharge of a ll liability

by Us in r espect of the Claim .

B. If You a re aged under 18 years

a n d covered under this Policy as

th e Partner of a Person

Insu red, We will pay any

Cla im for Accidental death to

You r Partner. In a ll other

cir cumstances We will pay any

Cla im for Accidental death to

You r Parent or Legal

Gu a rdian. Your Partner’s or

Pa rent or Legal Gu ardian’s

r eceipt shall be a full discharge of

a ll liability by Us in respect of

th e Claim .

2. A ll other Claims

A. If You a re 18 years or ov er, We

w ill pay the Claim to You and

You r receipt shall be a full

discharge of a ll liability by Us in

r espect of the Claim .

B. If You a re aged under 18 years

a n d covered under this Policy as

th e Partner of a Person

Insu red, We will pay the Claim

to You r Partner for Your

ben efit. In a ll other

cir cumstances We will pay the

a ppropriate benefit amount to

You r Parent or Legal

Gu a rdian for Your benefit.

You r Partner’s or Parent or

Lega l Guardian’s receipt shall

be a fu ll discharge of a ll liability

by Us in r espect of the Claim .

UK-CM0005 32

General Conditions

Con ditions that a pply to the whole Policy.

Contract

Th is Policy, the Certificate of In surance and

a ny information prov ided in Your

a pplication will be read together as on e

con tract.

Choice of Law

Th is Policy shall be g overned by and

in terpreted in accordance with the laws of

En g land and Wales and the En glish Courts

a lon e shall have jurisdiction in any dispute.

A ll communication in connection with this

Policy shall be in En glish.

Third Party Rights

Th e Contracts (Rights of Third Parties) A ct

1 999, or any amendment thereto shall n ot

a pply to this Policy. Only You and Us can

en force the terms of this Policy. No other

pa r ty may benefit from this contract a s of

r ight. This Policy may be varied or cancelled

w ithout the consent of a ny third party.

Compliance with Policy Requirements

You (and where relevant Your

r epresentatives), shall comply with a ll

a pplicable terms and conditions specified in

th is Policy. If You do not comply, We will

on ly pay that part of any Claim that We

w ou ld have had to pay if You had complied

in fu ll.

Changing Y our Policy

1 . If You want to change Your Policy

If a ny of the information You have

g iv en Us changes You must telephone

(a n d confirm in writing if We request

You to do so), email or write to Us.

2. If We w ant to change Your Policy

We r eserve the r ight to make changes

or a dd to these Policy terms for legal or

r egulatory r easons and/or to r eflect

n ew industry guidance and codes of

pr a ctice. If this happens We will write

to You w ith details at least 30 days

befor e We make any changes. You

w ill then have the option to continue

w ith or to cancel the Policy.

A ny change made to Your Policy will begin

on th e date that the Certificate of In surance

is issu ed to You by Us.

If We ch ange Your policy and a s a result of

th ose changes You wish to cancel Your

policy , We will send You a pro-rata r efund

u n less You have made a Claim under this

Policy in which case no r efund will be made.

Cancelling Your Policy

1 . If You want to cancel Your Policy

1 4 day cancellation r ight

If, for a ny reason, You are not satisfied

w ith this Policy, You may, within 14

da y s of receiving Your Policy and

Cer tificate of In surance contact Us and

We w ill cancel it. If this happens the

Policy will have provided no cov er and

We w ill refund any premiums You

h av e paid, providing You have n ot

a lready travelled and n o Claim(s) have

been reported or paid.

A fter 14 days You may cancel Your

policy , but We will not pay You a

r efund of a ny premium You have paid.

Ou r contact details are:


Tel: +44 (0) 161 333 6160

2. If We w ant to cancel Your Policy

We ca n cancel this Policy by giving

You 3 0 days written notice. We will

on ly do this for a v alid r eason.

Ex a mples of valid cancellation reasons

in clude attempted or actual fraud, or

w h ere We are ordered or instructed to

ca ncel this Policy by a r egulator, court,

or oth er law enforcement agency. If We

ca ncel the Policy We will refund any

pr emium You paid for the cancelled

per iod prov ided You have not made a

Cla im under the Policy during the

cu rrent Period of Insurance.

Other taxes or costs

We a r e required to n otify You that other

ta xes or costs may exist which are not

im posed or charged by Us.

Misrepresentation and Non-Disclosure

You must take reasonable care to ensure

th at all of the information prov ided to Us in

th e application process, in the

"Decla ration", by correspondence, ov er the

telephone, on claim forms and in other

documents is true, complete and accurate.

Plea se n ote that providing incomplete, false

or m isleading information could a ffect the


UK-CM0006 33

v alidity of this Policy a nd may mean that all

or pa rt of a Claim may n ot be paid. You

a cknowledge that We have offered the

Policy and calculated the premium using the

in formation which We have asked for and

You h ave provided, and that any change to

th e responses provided may result in a

ch ange in the terms and conditions of the

Policy and/or a change in the premium.

Interest

No su m payable by Us u nder this Policy

sh a ll carry interest unless payment has been

u n reasonably delayed by Us following

r eceipt of a ll the required certificates,

in formation and ev idence n ecessary to

su pport the Claim. Where interest becomes

pa y able by Us, it will be calculated only

fr om the date of final receipt of such

cer tificates, information or ev idence.

Bank Charges

We sh a ll n ot be liable for any charges

a pplied by Your bank for any transactions

m a de in relation to a Claim.

Complaints procedures

We a r e dedicated to prov iding a h igh

qu a lity service and want to maintain this at

a ll t imes. If You are n ot sa tisfied with this

serv ice, please contact Us, qu oting Your

Policy details, so We can deal with the

com plaint a s soon as possible.

If You h ave a complaint about the sale of

You r Policy, the Custom er Service You

h av e r eceived or the way Your Claim has

been handled please contact:

Tel: +44 (0) 161 333 6160


You can a pproach the Financial

Om budsman Service for a ssistance if there

is dissa tisfaction with Ou r final response or

a fter eight weeks from making the

com plaint if not r esolved satisfactorily. Any

a pproach to the Financial Ombudsman

Serv ice must be made within 6 months of

Ou r final response.

Con tact details are g iven below. A leaflet

ex plaining the procedure is available upon

r equ est.

Fin ancial Ombudsman Service

Ex change Tower

Ha rbour Ex change Square

Lon don E14 9SR

Tel: +44 (0) 800 023 4567 (calls are free

fr om a UK landline or mobile) +44 (0) 300

1 23 9123 (calls charged at the same rate as

01 or02 numbers on a mobile phone)

Em a il: complaint.info@financial-

om budsman.org.uk

Website: www.financial-ombudsman.org.uk

Follow ing these complaints procedures does

n ot r educe Your statutory rights relating to

th is Policy. For further information about

You r statutory r ights contact the Citizens

A dv ice Bu reau.

European Online Dispute Resolution Platform

If You a rranged Your Policy with Us

on line or through other electronic means,

a n d have been unable to contact Us either

dir ectly or through the Financial

Om budsman Service, You may wish to

r eg ister Your complaint through the

Eu r opean Online Dispute Resolution

pla tform:

h ttp://ec.europa.eu/consumers/odr/.

You r complaint will then be r e-directed to

th e Financial Ombudsman Service and to

Us to r esolve. There may be a short delay

befor e We r eceive it.

French Prudential Supervision and Resolution Authority

Ch ubb European Group SE (CEG) is an

u n dertaking gov erned by the prov isions of

th e French insurance code with registration

n umber 450 327 374 RCS Nanterre.

Reg istered office: La Tour Carpe Diem, 31

Pla ce des Corolles, Esplanade Nord, 92400

Cou rbevoie, France. CEG has fully paid

sh a re capital of €896,176,662.

UK bu siness address: 100 Leadenhall Street,

Lon don EC3A 3BP. Authorised and

su pervised by the French Prudential

Su pervision and Resolution Authority (4,

Pla ce de Budapest, CS 92459, 75436 PARIS

CEDEX 09 ) and authorised and subject to

limited regulation by the Financial Conduct

A u thority (FS Register number 820988).

Deta ils about the extent of our r egulation by

th e Financial Conduct Authority are

a v ailable from us on r equest. You can find

details about the firm by searching ‘Chubb

Eu r opean Group SE’ online at

h ttps://register.fca.org.uk/.




http://www.financial-ombudsman.org.uk/

http://ec.europa.eu/consumers/odr/

UK-CM0006 34

Financial Services Compensation Scheme

In th e unlikely ev ent that We a re unable to

m eet Our liabilities, You may be entitled to

com pensation under the Financial Services

Com pensation Scheme (FSCS).

Its con tact details are:

Fin ancial Services Compensation Scheme

PO Box 3 00

Mitcheldean

GL17 1DY

Ph on e: 0800 678 1100 or 0207741 4100

Website: www.fscs.org.uk

On -Line Form: https://claims.fscs.org.uk/

http://www.fscs.org.uk/

UK-CM0006 35

General Definitions

Th e following words and phrases below will

a lways have the following meanings

w h erever they appear in the Policy and

Cer tificate of In surance in bold type and

sta rting with a capital letter.

A broad

Ou tside the United Kingdom

A ccident, A ccidental

A su dden identifiable violent external ev ent

th at happens by chance a nd which could not

be ex pected; or unavoidable exposure to

sev ere weather.

A dverse Weather

Wea ther of such severity that the police (or

a ppropriate authority) warn by means of

pu blic communications n etwork (including

bu t not limited to television or radio) that it

is u n safe for individuals to a ttempt to travel

v ia the route or iginally planned by You.

A ge Limit

6 4 years old (inclusive) and under at the

da te of taking out the Policy.

A ny One Claim

A ll Claims or legal proceedings including

a ny appeal a gainst judgment consequent

u pon the same original cause, ev ent

or circumstance.

Ch ild, Children

A per son under 18 years of age at the time

th e Policy is purchased.

Ch u bb

Ch ubb European Group SE.

Ch u bb Assistance

1 . The telephone a dvice, information and cou nselling services; and/ or

2 . the travel assistance and emergency m edical and repatriation services;

a r ranged by Chubb.

Cla im, Claims

Sin gle loss or a series of losses Du e To on e

ca use cov ered by this Policy.

Close Bu siness Colleague

Som eone who You work with in the United

Kingdom and who has to be in work in

or der for You to be able to go on or

con tinue a Trip.

Cru ise

A sea or river voy age of more than 3 days in

tota l duration, where transportation and

a ccommodation is primarily on an ocean or

r iv er going passenger ship.

Cu rtail, Cu rtailed, Cu rtailment

Cu t short/cutting short Your Trip.

Doct or

A doctor or specialist, registered or licensed

to pr actise medicine under the laws of the

cou ntry in which they practise

w h o is neither:

1 . a Person Insured; or

2 . a r elative of the Person Insured

m a king the Claim,

u n less a pprov ed by Us.

Du e T o

Dir ectly or indirectly caused by, arising or

r esulting from, or in connection with.

Eu rope

A lbania, Andorra, Austria, Belarus, Belgium,

Bosn ia -Herzegov ina, Bulgaria, Canary

Isla n ds, Channel Islands, Croatia, Czech

Repu blic, Denmark, Eire, Estonia, Finland,

Fr a nce, Germany, Gibraltar, Greece,

Hu ngary, Iceland, Isle of Ma n, Italy, Latvia,

Liechtenstein, Lithuania, Luxembourg,

Ma cedonia, Ma deira, Mediterranean Islands

(in cluding Ma jorca, Menorca, Ibiza; Corsica;

Sa r dinia; Sicily; Ma lta, Gozo; Crete, Rhodes

a n d other Greek Islands; Cyprus), Moldova,

Mon a co, Netherlands, Norway, Poland,

Por tugal, Romania, Ru ssian Federation

(West of Urals), Serbia and Mon tenegro,

Slov akia, Slov enia, Spain, Sweden,

Sw itzerland, Turkey, Ukraine.

Excess

Th e first amount stated in the Table of

Ben efits of any Claim which each Person

Insu red must pay for each Section of the

Policy that is claimed under.

Im m ediate Family Member

You r Partner or fiancé(e) or the

g r andchild, child, brother, sister, parent,

g r andparent, step-brother, stepsister, step-

pa r ent, parent-in-law, son- in-law,

da ughter-in-law, sister-in-law, brother-in-

la w, aunt, uncle, n ephew, niece, of You or

You r Partner, or anyone noted as n ext of

kin on any legal document, all of whom

m ust be resident in the United Kingdom ,

a n d not any Person Insured.

UK-CM0006 36

Insu red Adult

A per son named in the Certificate of

In su rance between the ages of 18 and 64

(in clusive).

Lega l Expenses

1 . Fees, expenses, costs/expenses of

ex pert witnesses and other

disbursements reasonably incurred by

th e Legal Representatives in

pu r suing a Claim or legal proceedings

for damages and/or compensation

a g ainst a third party who has caused

a ny Persons Insured Accidental

bodily injury or illness or in a ppealing

or r esisting an appeal against the

ju dgment of a Court, tribunal

or a r bitrator.

2 . Costs for which You are legally liable

follow ing an award of costs by any

cou rt or tribunal or an out of Court

sett lement made in connection with

a ny Claim or legal proceedings.

Lega l Representatives

Th e solicitor, firm of sol icitors, lawyer,

a dv ocate or other appropriately qualified

per son, firm or company appointed to act on

You r behalf.

Loss, Lost , Losses

You r Personal Property, Mon ey ,

bu siness equipment, passport and/or

dr iv ing licence that are covered under this

Policy :

1 . h av e been accidentally or

u n intentionally left in a location and

th ey have then disappeared; or

2 . a r e in a known location, but You are

n ot r easonably a ble to r etrieve

th em; or

3 . h av e disappeared and You are n ot

su r e h ow it has happened

Loss of Lim b

A mputation or total and permanent loss of

u se of on e or more hands at or abov e the

w r ist or of on e or more feet above the ankle

(ta lo-tibial joint).

Loss of Sigh t

1 . In both eyes:

Per manent blindness, which based on

m edical ev idence You will never

r ecov er from, and which results in

You r name being a dded (on the

a u thority of a qualified ophthalmic

specialist) to the Register of Blind

Per sons maintained by

th e gov ernment.

2 . In on e ey e:

Per manent blindness, which based on

m edical ev idence You will never

r ecov er from, in a n eye to the degree

th at, after correction using spectacles,

len ses or surgery, objects that should

be clear from 60 feet away can only be

seen from 3 feet away or less.

Mobility Aid, Mobility A ids

A ny crutch, walking stick, walking frame,

w h eeled walking frame, walking trolley,

ev acuation chair, wheelchair, powered

w h eelchair or mobility scooter constructed

specifically to a id persons suffering from

r estricted mobility but excluding any golf

bu ggy or g olf trolley.

Mon ey

Coin s, banknotes, traveller’s cheques, postal

or m oney orders, travel tickets, pre-paid

v ouchers, non-refundable pre-paid entry

t ickets a nd debit, credit, payment,

pr epayment and/or charge cards.

Pa rent or Legal Guardian

A per son with parental r esponsibility, or a

leg al guardian, both being in accordance

w ith the Children Act 1989 and a ny

sta tutory amendment modification or re-

en a ctment of it.

Pa rtner

You r spouse or civil partner (registered

pu r suant to the Civil Partnership Act) or

som eone of either sex with whom You h ave

been living for a t least three months as

th ough they were Your spouse or

civ il partner.

Period of Insurance

Per iod of cov er commencing a t 00.01 or any

la ter time the Certificate of In surance is

issu ed and ending on the date shown on

You r Certificate of In surance.

Permanent Disability

A ny form of functional disability which has

la sted for at least 12 months and from

w h ich, based on medical evidence, You will

n ev er recover.

Permanent Total Disablement

1 . If You w ere in gainful employ ment a t

th e date of the Accident:

A Permanent Disability which

stops You from carrying out gainful

em ploy ment for which You are fitted

by way of training, education or

ex perience; or

UK-CM0006 37

2. If You were not in gainful employ ment

a t the date of the A ccident:

A for m of Permanent Disability

ca lculated on a medical assessment by

Us or a n independent medical expert

a ppointed by Us, which r esults in

You r inability to perform, without

a ssistance from another person, at

lea st 2 of the following activities of

da ily living:

• ea t ing;

• g etting in and out of bed;

• dr essing and undressing;

• toileting; or

• w a lking 200 metres on

lev el ground

Person al Property

1 . A ny suitcase, trunk or container of a

sim ilar kind and its contents;

2. a ny Mobility Aid;

3. V a luables,

4. a ny other article worn or carried by

You ; that is not otherwise excluded

a n d which is either owned by You or

for w hich You are legally responsible.

Pu blic Transport

A ny air, land or water vehicle operated

u n der licence for the transportation of fare-

pa y ing passengers and which runs to a

sch eduled published timetable.

Repa ir a nd Replacement Costs

Th e cost of repairing partially damaged

pr operty, or, if property is totally Lost or

destroy ed or uneconomical to repair, the

cost of r eplacing property as n ew less a

dedu ction for wear, tear or depreciation.

(Note: We will pay a reasonable proportion

of th e total value of a set or pair to r epair or

r eplace an item that is part of a set or pair).

T ravelling Com panion(s)

Som eone You have arranged to go on a

T rip with and who it would be

u n reasonable to expect You to travel or

con tinue Your T rip without.

T rip

A jou rney A broad involving pre-booked

tr avel or accommodation.

Una ttended

Wh ere You are n ot in full v iew of or in a

posit ion to prevent unauthorised taking or

in terference with Your Personal

Property or vehicle.

Unit ed Kingdom

En g land, Scotland, Wales and

Nor thern Ir eland.

V a luables

Ca meras and other photographic equipment,

telescopes a n d bin oculars, a u dio/v ideo

equ ipment (including radios, iPods, mp3and

m p4 play ers, ca mcorders, DV D, v ideo,

telev isions, a n d oth er similar a u dio and

v ideo equipment), m obile phones, satellite

n av igation equ ipment, computers and

com puter equ ipment (in cluding PDAs,

per sonal or g anisers, la ptops, n otebooks,

n etbooks, iPa ds, ta blets a n d th e like),

com puter g a mes equ ipment (including

con soles, g ames a nd peripherals) jewellery,

w a tches, fu rs, pr ecious a n d sem i-precious

ston es a nd a rticles made of or containing

g old, silver or other precious metals.

Wa r

A rmed conflict between nations, invasion,

a ct of foreign enemy, civil war or taking

pow er by or ganised or military force.

We, Us, Ou r, Ou rselves

Ch ubb European Group SE.

Winter Sports

Big foot skiing, bobsleighing, cross-country

skiing, glacier skiing, h eli-skiing, kite

sn ow boarding, langlauf, luging, mono-

skiing, skidooing, skiing, ski acrobatics, ski

fly ing, ski jumping, ski racing, ski touring,

sledg ing, sn ow blading, snowboarding,

sn owmobiling, speed skating, tobogganing.

You , Your, Person(s) Insured

A ll persons named in the Certificate of

In su rance within the Age Limit being

r esident in the United Kingdom . Ea ch

per son is separately insured with the

ex ception of any Child unless travelling

w ith an Insured Adult.

Chubb European Group SE (CEG) i s an undertaking governed by the provisions of the French insurance

code w i th registration nu mber 450 327 374 RCS N anterre. Registered of fice: La Tour Carpe Diem, 31 Pl ace des Corolles, Esplanade N ord, 92400 Cour bevoie, Fr ance. CEG has fully paid share capital of

€896,1 7 6,662.

U K busi ness addr ess: 1 00 Leadenhall Street, London EC3A 3BP. Authorised and supervised by the

Fr ench Prudential Supervision and Resolution Authority (4, Pl ace de Budapest, CS 92459, 7 5436 PARIS

CEDEX 09) and authorised and subject to limited r egulation by the Financial Conduct Authority (FS Regi ster number 820988). Detai ls about the extent of our regulation by the Financial Conduct Authority

ar e av ailable from us on request. You can find details about the firm by searching ‘Chubb European Group

SE’ onl i ne at https://r egister.fca.org.uk/. UK-CM0005 38

Data Protection

We u se per sonal in formation which You su pply to Us in order to write and administer th is Policy, including any claims arising from it .

Th is information w ill in clude ba sic contact details su ch a s You r n ame, a ddress, and policy n umber, but m ay a lso include more detailed in formation a bout You (for ex ample, Your age, health, details of a ssets, cla ims history) where this is relevant to the r isk We a r e in suring, ser v ices We are pr ov iding or to a claim You are reporting.

We a r e pa rt of a g lobal g r oup, and Your per sonal in formation may be sh ared with Ou r g roup companies in other countries as r equ ired to pr ov ide cov erage u nder Your policy or to stor e You r in formation. We a lso u se a n umber of tr usted serv ice pr ov iders, who will also have a ccess to Your per sonal in formation su bject to Our in structions and control.

You h ave a number of r ights in relation to You r personal information, including rights of a ccess a n d, in cer tain circumstances, er a sure.

Th is sect ion r epresents a con densed ex planation of h ow We use Your personal

in formation. For m or e in formation, We str ongly r ecommend You r ead Ou r user-fr iendly Ma ster Pr iv acy Policy , av ailable h er e: h ttps://www2.chubb.com/uk-en /footer/privacy-policy.aspx. You can ask Us for a paper copy of the Privacy Policy at a ny t ime, by con tacting Us at da [email protected] .


Chubb European Group SE (CEG) is an undertaking governed by the provisions of the French insurance code with registration number 450 327 374 RCS Nanterre. Registered office: La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 92400

Courbevoie, France. CEG has fully paid share capital of €896,176,662. UK business address: 100 Leadenhall Street, London EC3A 3BP. Authorised and supervised by the French Prudential Supervision and Resolution Authority (4, Place de Budapest, CS 92459, 75436 PARIS CEDEX 09) and authorised and subject to limited

regulation by the Financial Conduct Authority (FS Register number 820988). Details about the extent of our regulation by the Financial Conduct Authority are available from us on request. You can find details about the firm by searching ‘Chubb Europea n Group SE’ online at https://register.fca.org.uk/.

Contact Us

Ch ubb European Group SE

Th e Chubb Building

1 00 Leadenhall Street

Lon don

EC3 A 3BP

w ww.chubb.com/uk

About Chubb

Ch ubb is th e w orld’s la rgest pu blicly traded

pr operty and casualty insurer. With operations

in 54 countries, Chubb prov ides commercial and

per sonal pr operty a n d ca sualty insurance,

per sonal a ccident a n d su pplemental health

in surance, r einsurance a nd life insurance to a

div erse group of clients.

Th e company is dist inguished by its extensive

pr oduct and service offerings, broad distribution

ca pabilities, exceptional financial strength,

u n derwriting ex cellence, su perior claims

h a ndling expertise and local operations globally.

Th e in surance com panies of Ch ubb serv e

m ultinational cor porations, m idsize and small

bu sinesses with property and casualty insurance

a n d ser v ices; a ffluent a n d h igh n et worth

in dividuals w ith substantial a ssets to protect;

in dividuals pu rchasing life, personal accident,

su pplemental h ealth, h ome a nd car insurance

a n d oth er specialty in surance cov erage;

com panies a n d a ffinity g roups pr ov iding or

offer ing a ccident a n d h ea lth insurance

pr ogrammes a n d life in surance to their

em ploy ees or members; and insurers managing

ex posures with reinsurance cov erage.

Ch ubb’s cor e oper ating in surance companies

m a intain financial strength ratings of AA from

Sta ndard & Poor ’s and A++ from A .M. Best.

Ch ubb’s pa rent company is listed on the New

Yor k Stock Ex ch ange (NYSE: CB) a n d is a

com ponent of the S&P 500 index.

http://www.chubb.com/uk

Your Policy Document Chubb Travel Insurance · UK-CM0006 6 Welcome Thank you for choosing Chubb...

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Transcript of Your Policy Document Chubb Travel Insurance · UK-CM0006 6 Welcome Thank you for choosing Chubb...