Your travel insurers, under the Association of British
Insurers General Business Code of Practice, have to bring to your attention
some of the important features of your travel insurance certificate:
- Insurance Certificate: This contains
full details of the cover provided plus the conditions and exclusions
that apply to it. You must read the insurance certificate carefully.
- Conditions, Exclusions and
Warranties: there are conditions and exclusions that apply to individual
sections and general conditions, exclusions and warranties which apply
to the whole certificate.
- Fraudulent Claims: the making of a
fraudulent claim is a criminal offence.
- Date Recognition Failure: your
certificate contains exclusions for losses arising from the failure of
equipment to correctly recognise the calendar date, such as the change
to the Year 2000.
- Medical Expenses: please note this
section does not provide private health care unless specifically
approved by the emergency service.
- Health: the certificate contains
conditions relating to the health of the people travelling and others
upon whose well being the trip may depend. It may be that you are
required to disclose the condition of such people prior to cover being
issued and you must be aware that failure to disclose such matters will
prejudice your position.
- Property Claims: These are settled
on an indemnity basis – not a ‘new for old’ or replacement cost basis,
unless otherwise stated in the certificate.
- Certificate Limited: most sections
of the certificate have limits on the amount the Insurer will pay under
that section. Some sections also include inner limits e.g. for one item,
or for Valuables in total.
- Certificate Excesses: claims under
most sections of the certificate will be subject to an excess. Where
there is an excess, you will be responsible for paying the first part of
- Reasonable Care: you are required to
take all the responsible care to protect yourself and your property and
to act as though you are not insured.
- Complaints: the insurance
certificate includes a Complaints Procedure, which tells you what steps
you can take if you wish to make a complaint.
- ‘Cooling Off’ Period: your
certificate contains a ‘cooling off’ period which allows you to return
the certificate and obtain a full refund if you have justifiable reason
to be dissatisfied with the cover provided.
- Hazardous Holiday Activities: the
certificate may not cover you when you take part in certain hazardous
activities e.g. Scuba Diving. If you want cover for such activities you
may need to arrange a specialist policy.
- UK Law allows the parties to choose
the law applicable to the contract. The contract will be subject to
English Law unless otherwise agreed.
ENSURE YOU READ YOUR INSURANCE CERTIFICATE CAREFULLY