All policies are fulfilled through Essential Travel Ltd, authorised and regulated by the Financial Services Authority.
This document only constitutes a valid insurance when issued in conjunction with a validation certificate issued between 01/12/2006 and 30/11/2007 for journeys ending prior to 30/11/2008.
The policy is underwritten by AXA Insurance UK plc.
This policy is a CONTRACT OF INSURANCE. It contains details of the cover, conditions and exclusions relating to each Insured Person and is the basis on which all claims will be settled. In consideration of the payment of the required premium, The policy is underwritten by AXA Insurance UK plc hereby agree to pay or indemnify the Insured Person or his/her personal representative as follows; subject to the terms conditions and exclusions of this policy, on the schedule and in the application form.
We must draw your attention to a number of important
features of this insurance.
READ THESE FEATURES AND THE WHOLE OF THIS DOCUMENT CAREFULLY.
The insurance policy includes a complaints procedure which tells
you what steps you can take if you wish to make a complaint.
Conditions and Exclusions
There are conditions and exclusions which apply to
individual sections and general conditions and exclusions which apply to the
" Cooling Off" Period
The policy contains a "cooling off" period which
allows you to return it and obtain a full refund if you have justifiable reason
to be dissatisfied with the cover provided. Please see the section entitled:
Cooling Off Period.
Date Change Exclusion
Changes in dates and other systems containing computer
chips, which depend on date-related information in order to work properly. Other
than in respect of Sections 2 and 3, your policy excludes anything directly or
indirectly caused by failure of any computer hardware or software or other
electrical equipment to recognize or process any date as its true calendar date.
Claims under most sections of the policy will be subject to an
excess. Where there is an excess, you will be responsible for paying the first
part of a claim.
Hazardous Holiday Activities
The policy may not cover you when you take part
in certain hazardous activities e.g.: Mountaineering. If you want cover for such
activities, please contact your issuing agent. Please see section entitled
'Hazardous Activities" to see what activities are covered under the policy at no
additional premium, what activities can be included in return for additional
premium and what to do if you wish to participate in an activity not listed.
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 information
will prejudice your position in the event of a claim. Please see the section
entitled: Health Conditions.
This contains full details of the cover provided plus the
conditions and exclusions which apply to it. You must read the insurance policy
Most sections of the policy 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 (see definition below) in total. UK Law allows the
parties to choose the law applicable to the contract. The contract will be
subject to English Law unless otherwise agreed.
The policy does not provide private health treatment unless
specifically approved by the emergency service.
These are settled on an indemnity basis - not on a "new for
old" or replacement cost basis, unless otherwise stated in the policy.
You are required to take all reasonable care to protect
yourself and your property and to act as though you are not insured.