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Privilege and Privilege Premier

current accounts

Worldwide Travel Insurance

Policy Summaries and Policy Documents

2

Contents

Policy Summaries and Policy Documents

Welcome to your new Worldwide Travel Insurance policy. Inside this booklet you will find everything you need

to know about your cover, from what to do in an emergency to important terms and conditions. You should

take this with you when you travel, in case anything unfortunate occurs.

Do you need to make a Medical Health Declaration? Page 3

Policy Summary Page 5

Policy Document Page 12

Definitions Page 17

Important Health Requirements Page 20

General Conditions Page 25

General Exclusions Page 26

Sports and Winter Sports Activities Page 27

The Insurance

Section A Travel Advice Page 29

Section B Travel Assistance Page 29

Section C Cancellation or Curtailment Charges Page 30

Section D Delayed Departure/abandonment Page 31

Section E Missed Departure Page 32

Section F Involuntary Denial of Boarding Page 33

Section G Emergency Medical and Other Expenses Page 33

Section H Hospital Benefit Page 35

Section I Baggage, Baggage Delay, Personal Money

and Passport Page 35

Section J Personal Accident Page 38

Section K Personal Liability Page 38

Section L Overseas Legal Expenses and Assistance Page 39

Section M1 Ski Equipment and Ski Equipment Hire Page 40

Section M2 Ski Pack Page 40

Section M3 Piste Closure Page 40

Section N1 Golf Equipment Page 41

Section N2 Golfing Liability Page 41

Section N3 Green Fees Page 42

Section N4 Hole in One Page 42

Section O Hijack Page 42

Section P European Pet Care Page 43

Section Q Scheduled Airline Failure Page 43

Section R Travel Disruption Page 44

Complaints Procedure Page 47

Use of your Personal Data Page 48

For travel advice and emergency assistance telephone +44(0) 844 249 9981

Do you need to make a Medical Health Declaration?

Please follow this step-by-step guide

No claim arising directly or indirectly from a pre-existing medical condition affecting any person travelling under this insurance will be covered unless ALL pre-existing medical

conditions have been declared to the Co-operative Bank Medical Assessment Helpline prior to the commencement of cover under this policy and/or prior to any trip, any changes in

health or prescribed medication have been declared and we have accepted the condition(s) for insurance in writing.

Step 1

Please read the following questions carefully.

The Co-operative Bank Privilege and Privilege Premier current account

Worldwide travel insurance provided by AXA Travel Insurance and underwritten by Inter Partner Assistance

3

a) During the last two years, has anyone travelling under this policy had any medical or psychological condition:

• which has resulted in symptoms, or

• for which any form of treatment or prescribed medication has been required, or

• for which they have required any medical consultation, investigation or follow-up/check-up?

b) Has anyone travelling under this policy EVER had any cardiovascular or circulatory condition? For example:

• A heart attack, angina, chest pain(s), or any other heart condition.

Yes

No

• High blood pressure, blood clots, raised cholesterol, aneurysm, or any circulatory disease. Yes No

• Any form of stroke, transient ischaemic attack, or brain haemorrhage.

If you have answered YES to either Q1 or Q2.

If you have answered NO to BOTH questions.

Proceed to Step 2.

No further action required. You do not need to tell

us anything more about your medical history at

4

Step 2 – Automatically Accepted Conditions

The medical conditions under Section Waived Conditions on page 21 are covered free of charge and subject to the normal terms and conditions of this insurance, provided:

a) the Insured Person is not awaiting surgery for the condition, and

b) the Insured Person has been fully discharged from any post-operative follow-up.

You do not need to declare any of those conditions to us provided both of the above requirements have been met.

If the condition(s) IS listed under

Waived Conditions, both of the above

requirements have been met AND there

are no more conditions to declare.

requirements have been met BUT there

are more conditions to declare.

If the condition(s) IS NOT listed under

Waived Conditions.

Waived Conditions BUT the above

requirements have not been met. There

are no further conditions to declare.

No further action required. You do not

need to tell us anything more about your

medical history at this time.

Proceed to Step 3. Proceed to Step 3. Proceed to Step 3.

Step 3

Each person who is travelling under this policy and who has been directed to Step 3 will need to call the Co-operative Bank Medical Assessment Helpline on

0844 249 9981 to declare:

a) any conditions listed under Waived conditions (where all criteria have not been met); and

b) any other medical conditions.

If you have a pre-existing medical condition you must make a medical health declaration when:

a) opening your Privilege or Privilege Premier current account, or

b) booking any trip, or

c) upon the annual renewal of your medical health declaration, whichever is the later.

We will assess the medical information supplied to us and advise if we can cover the pre-existing medical condition(s), if certain exclusions or restrictions should be imposed, or if

cover can be offered subject to the payment of an additional premium. If the cover is subject to the payment of an additional premium, cover will not commence until full payment

has been received by us and written confirmation has been provided by us.

If your policy is endorsed to cover any claims arising from your pre-existing medical condition(s), the endorsement will remain valid for 12 months and you need not re-declare your

pre-existing medical condition(s) when taking any trips within that 12-month period.

If there are any changes in your health or prescribed medication after you declare, you must notify us and update your medical health declaration prior to booking any trip or

departing on any trip. All changes must be declared to us and accepted in writing before cover can continue.

Failure to declare pre-existing medical conditions that are relevant to this insurance may invalidate your claim.

Demands and Needs

This product meets the demands and needs of those under 80 years of age travelling

abroad in respect of medical and other similar expenses throughout the duration of

the policy.

The Co-operative Bank p.l.c. is not providing you with a personal recommendation

based on your individual circumstances as to whether this Policy is suitable for

your needs, and recommends that you read the Policy Summary below. This Policy

Summary does not contain the full details and conditions of your insurance – these are

located in your policy wording.

If, after having read the policy summary and policy wording, you decide

that the policy is not suitable for your needs, e.g. you are aged 80 and

above then you may be able to source alternative travel insurance by

contacting the British Insurance Brokers Association (BIBA) helpline on

0870 950 1790.

Lines are open 9am – 5pm Monday to Friday (excluding bank holidays).

Policy summary

Insurer

This policy is underwritten by Inter Partner Assistance SA (IPA), a Belgian firm of

Avenue Louise, 166 bte1, 1050, Brussels, which is authorised in Belgium by l’Autorité

des Services et Marchés Financiers, and has a branch office in Ireland regulated by

the Central Bank of Ireland and is authorised and subject to limited regulation by the

Financial Services Authority (FSA) in the United Kingdom. Details about the extent of

the authorisation and regulation by the FSA are available from us on request. IPA’s

registered address in Ireland is 10/11 Mary Street, Dublin 1, Ireland (company number

906006). Some of the services under this Policy will be provided by its agent, AXA

Travel Insurance (company number 426087), of the same Ireland address.

All companies are members of the AXA Assistance Group.

Important Requirement applying to your Policy

Cover commences on the date you open a Privilege or Privilege Premier current

account and will continue for each month you hold that account and continue to pay

the monthly subscription.

If you have a pre-existing medical condition you must make a medical health

declaration when:

• opening your Privilege or Privilege Premier current account, or

• booking any trip, or

• upon the annual renewal of your medical health declaration,

whichever is the later.

If there are any changes in your health or prescribed medication you must notify us

and update your medical health declaration prior to booking any trip or departing on

any trip. All changes must be declared to us and accepted in writing before cover can

continue.

Failure to declare pre-existing medical conditions that are relevant to this insurance

may invalidate your claim.

Type of Insurance and Cover

You are entitled to travel insurance for trips taken worldwide while you hold

a Privilege or Privilege Premier current account.

Duration of your Policy

A covered trip is any holiday, or journey for pleasure of not more than 45 continuous

days. Trips involving Winter Sports Activities are limited to 21 days in total in any

12-month period.

It is not possible to extend the cover for trips of more than 45 days.

Conditions

• It is essential that you refer to the important conditions relating to the health section

in the policy wording as failure to comply with these conditions may jeopardise your

claim or cover. Please refer to Important Health Requirements.

• If you are travelling to Australia and you require medical treatment you must enrol

with a local Medicare office.

Special conditions apply to each section of your policy – please refer to the policy

wording for full details.

5

Worldwide Travel Insurance

6

Features and Benefits

The table shows the maximum benefits you can claim for each insured person under each section (unless otherwise stated).

Benefit Schedule Benefit Amount Excess

Section A – Travel Advice

Travel Advice (Visa, vaccination, weather forecast, language, opening hours)

Section B – Travel Assistance

Medical Helpline

Travel Assistance

Legal Assistance

Lost or Stolen Document Assistance

Interpreter

Message Relay

Lost Luggage Assistance

Section C – Cancellation or Curtailment Charges

Included

Cancellation or Curtailment up to £5,000 £50

Re-booking fees up to £300 Nil

Section D – Delayed Departure/Abandonment

Travel Delay, maximum £150 Nil

– After first 12 hours £25

– Per 6 hours thereafter £25

Abandonment up to £5,000 £50

Section E – Missed Departure up to £1,000 Nil

Section F – Involuntary Denial of Boarding £100

Section G – Emergency Medical and Other Expenses

Medical Expenses and Repatriation up to £10,000,000 £50

Emergency Dental Pain Relief £500 £75

Relative/Friend to travel out if travelling alone when hospitalised

Economy Flight + £150 per day, maximum 10 days

Extended stay (Insured/Companion) £150 per day, maximum £1,500

Return Home of Children

Economy Flight + £150 per day, maximum 3 days

Funeral Expenses up to £4,000 Nil

Section H – Hospital Benefit

Hospital Benefit £25 per day; maximum claim £600

Section I – Baggage, Baggage Delay, Personal Money and Passport

Baggage (maximum) £1,500 £50

– Single Item Limit £250

– Valuables Limit in Total £250

Personal Money £500 £50

– Cash Limit £250 £50

– Cash Limit under 16s £100 £50

Delayed Baggage, maximum after 12 hours £100 Nil

Lost or stolen Passport, identity card or visa £250 Nil

Section J – Personal Accident

Personal Accident (maximum) Up to £25,000

– Loss of Limbs or Sight £25,000

– Permanent Total Disablement (>16 < 70) £25,000

– Permanent Total Disablement ( 70) Nil

– Death Benefit £25,000

Section K – Personal Liability up to £2,000,000 Nil or £100

Section L – Overseas Legal Expenses and Assistance up to £25,000 Nil

Section M – Winter Sports

Ski Equipment Owned up to £400; Single Item/Pair Limit £100 £50

Ski Equipment Hired up to £400; Single Item/Pair Limit £100 £50

Ski Hire £50 per week; maximum claim £150

7

8 Worldwide Travel Insurance

Ski Pack £50 per day; maximum claim £250

Piste Closure £20 per day; maximum claim £250

Section N – Golf Cover

Golf Equipment Owned up to £500; Single Item/Pair Limit £250 £50

Golfing Liability up to £500,000

Green Fees £250

Hole in One £250

Section O – Hijack

Hijack £100 per day; maximum claim £500

Section P – European Pet Care

Sudden Accident/Illness, maximum £1,000

Lost and found costs £500

Quarantine £1,000

Repatriation £1,000

Section Q – Scheduled Airline Failure £5,000

Section R – Travel Disruption £2,000

Significant or unusual exclusions

or limitations

• The policy excesses will be shown within your policy wording or on the

policy schedule.

• There is no cover for trips over 45 days.

• Cover under your policy will cease when you reach 80 years of age or when your

Privilege or Privilege Premier current account is closed or the policy is cancelled,

whichever is the earlier.

• Cover for holidays involving winter sports activities is not operative if you are

65 years of age or older.

General Exclusions

• War risks, civil commotion, terrorism, (except under sections G, H and J unless

caused by nuclear, chemical or biological attack), sonic bangs,

radioactive contamination.

• There are a number of sports, activities and winter sports that are excluded –

please see General Exclusions of the policy wording.

• Wilful, self-inflicted injury, solvent, drug or alcohol abuse.

• Unlawful actions and any subsequent legal proceedings brought against you.

• Travel to a country or specific area or event which the Foreign and Commonwealth

Office or the World Health Organisation has advised the public not to travel to.

Exclusions under Section C – Cancellation or Curtailment Charges

• Redundancy caused by misconduct, resignation, voluntary redundancy or where

notification of redundancy was given prior to the inception of this policy.

• Any circumstances known prior to booking the trip that could reasonably be

expected to give rise to a claim.

Important Limitations under Section C – Cancellation or Curtailment Charges

Claims under Section C – Cancellation or Curtailment Charges are not covered for

incidents arising directly or indirectly from any pre-existing medical condition known

to you prior to booking any trip affecting any close relative, close business associate,

travelling companion who is not insured under this policy, or any person with whom you

have arranged to reside temporarily while on your trip if:

1. a terminal diagnosis had been received prior to booking any trip, or

2. they were on a waiting list for or had knowledge of the need for, surgery, in-patient

treatment or investigation at any hospital or clinic at the time of booking any trip, or

3. during the 90 days immediately prior to booking any trip they had required surgery,

in-patient treatment or hospital consultations.

Exclusions under Section D – Delayed Departure

• Strike, industrial action or air traffic control delay publicly declared.

Exclusions under Section E – Missed Departure

• Strike or industrial action publicly declared.

Exclusions under Section F – Involuntary Denial of Boarding

• Costs or charges for which the airline will compensate you, or where the denial of

boarding was voluntary or not mandatory.

Exclusions under Section G – Emergency Medical and Other Expenses

• Treatment or surgery which in the opinion of the medical practitioner

in attendance can wait until your return to the United Kingdom.

• Medication, which prior to departure is known to be required.

• Expenses incurred as a result of a tropical disease where the required inoculations

have not been undertaken.

Exclusions under Section H – Hospital Benefit

Exclusions under Section I – Baggage, Baggage Delay, Personal Money

and Passport

• Valuables left unattended at any time unless in a hotel safe, safety deposit box or in

your locked accommodation.

• Baggage contained in an unattended motor vehicle between 9 p.m. and 9 a.m. or

between 9 a.m. and 9 p.m. unless it is in a locked boot or covered from view in a

locked car, and evidence of entry into the vehicle by forcible and violent means

is available.

• Contact or corneal lenses, hearing aids, dental or medical fittings, ski equipment

and other items are excluded – please refer to the policy wording for the full list.

• Business goods, samples or tools used in connection with your occupation.

9

10 Worldwide Travel Insurance

• Personal money or your passport or visa left unattended at any time unless

in a hotel safe, safety deposit box or in your locked accommodation.

• Loss or theft of travellers cheques where you have not complied with the issuing

agent’s conditions.

Exclusions under Section K – Personal Liability

• Pursuit of any trade, business or profession, or the ownership, possession

or use of any vehicles, aircraft or mechanically operated watercraft.

Exclusions under Sections M – Winter Sports

• Ski equipment contained in or stolen from an unattended motor vehicle between

9 p.m. and 9 a.m. or between 9 a.m. and 9 p.m. unless it is in a locked boot or

covered from view in a locked car, and evidence of entry into the vehicle by forcible

and violent means is available.

Exclusions under Section N – Golf Cover

• Golf equipment contained in or stolen from an unattended motor vehicle between

9 p.m. and 8 a.m. or between 8 a.m. and 9 p.m. unless it is in a secured area,

and evidence of entry into the vehicle by forcible and violent means is available –

please see the section Special Exclusions Applicable to Personal Belongings for a

description of secure areas.

Please note that single article limits apply. A deduction for wear and tear and

depreciation will be made.

Exclusions under Section P – European Pet Care

• Any claims arising directly or indirectly from any medical condition your pet dog or

cat suffered at any time prior to the departure of the trip.

• Any claim when you have not arranged for all necessary inoculations, the insertion

of the required microchip, and all appropriate documentation in adequate time prior

to departure of your trip.

• Any costs for inoculations, microchips or any medication or preparation that was

required before the start of the trip.

Exclusions under Section Q – Scheduled Airline Failure

• Travel or accommodation not booked with a travel or accommodation provider

within the United Kingdom prior to departure.

Exclusions under Section R – Travel Disruption

• Any costs incurred by you which are recoverable from the public transport operator

or for which you receive or are expected to receive compensation, damages, refund

of tickets, meals, refreshments, accommodation, transfers, communication facilities

or other assistance.

• Any costs incurred by you which are recoverable from your credit/debit card

provider or for which you receive or are expected to receive compensation

or re-imbursement.

Cancellation

This policy will automatically be cancelled when your Privilege or Privilege Premier

current account is closed.

Claim notification

1. First check you are covered by your Policy.

Please read the appropriate section in the Policy booklet to see exactly what is, and

is not covered, noting particularly any conditions, limitations and exclusions.

2. Making a claim.

a) In the event of an emergency you should first call the Emergency Helpline

0844 249 9981 (any minor illness or injury costs must be paid for by you

and reclaimed).

b) For all other claims, telephone our Claims Helpline on 0844 249 9981 (during

office hours, Monday–Friday 9:00–17:00) to obtain a claim form. You will need

to give:

– your name

– your Account Number

– brief details of your claim.

Alternatively you can email our Claims Helpline at

[email protected]

You will need to provide:

– your address including the postcode

– the section under which you wish to make a claim.

We ask that you notify us within 28 days of you becoming aware of an incident

or loss leading to a claim and you return your completed claim form and any

additional information to us as soon as possible.

3. Additional Information.

You must supply all of your original invoices, receipts and reports etc. You should

check the section under which you are claiming for any specific conditions and

details of any supporting evidence that you must give us.

You should always keep copies of all the documents that you send to us.

Complaints Procedure

Making Your Complaint

You need to contact us on 0844 811 0924 to tell us about your complaint.

We expect that the majority of complaints will be quickly and satisfactorily resolved at

this stage, but if you are not satisfied, you can ask us to record a formal complaint over

the phone or you can write to us if you prefer and our Customer Relations Manager will

arrange for your complaint to be investigated and resolved.

You can contact us on the telephone number given above or you can write to us at

Customer Relations Manager, AXA Travel Insurance, The Quadrangle,

106 -118 Station Road, Redhill, Surrey RH1 1PR, United Kingdom.

Or you may use email:[email protected]

Worldwide Travel Insurance 11

Contacting the Financial Ombudsman Service

If we have given you our final response and you are still dissatisfied you may refer your

case to the Financial Ombudsman Service (FOS). The FOS is an independent body that

arbitrates on complaints about general insurance products. They will only consider

complaints after we have provided you with written confirmation that our internal

complaints procedure has been exhausted. Referral to the FOS will not affect your right

to take legal action against us.

The Ombudsman can be contacted at:

Insurance Division, Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall,

London E14 9SR. United Kingdom

Tel: 0845 080 1800 Fax: 020 7964 1001

Financial Services Compensation Scheme (FSCS)

In the unlikely event that Inter Partner Assistance is unable to meet its obligations, you

may be entitled to compensation under the Financial Services Compensation Scheme

(FSCS). Further information about compensation scheme arrangements is available

from the FSCS. Their contact details are: Financial Services Compensation Scheme,

7th Floor Lloyds Chambers, Portsoken Street, London E1 8BN, United Kingdom.

Telephone 020 7892 7300, Fax 020 7892 7301. Website: www.fscs.org.uk

12 Worldwide Travel Insurance

Worldwide travel insurance provided by AXA Travel Insurance

Policy document

Travel Insurance Schedule

Travel Advice

(Visa, vaccination, weather forecast, language, opening hours)

Medical Helpline, Travel Assistance, Legal Assistance, Lost or Stolen

Document Assistance, Interpreter, Message Relay, Lost Luggage Assistance

Medical Expenses and Repatriation up to £10,000,000 £50

Travel Insurance Schedule continued

Worldwide Travel Insurance 13

Economy Flight + £150 per day,

maximum 10 days

Extended stay (Insured/Companion) £150 per day, maximum £1,500

maximum 3 days

Hospital Benefit, maximum £600

– per day £25

14 Worldwide Travel Insurance

Ski Equipment Owned up to £400 £50

– Single Item/Pair Limit £100

Ski Equipment Hired up to £400 £ 50

Ski Hire, maximum £150

– per week £50

Ski Pack, maximum £250

– per day £50

Piste Closure, maximum £250

Golf Equipment Owned up to £500 £50

– Single Item/Pair Limit £250

Golfing Liability up to £500,000

Worldwide Travel Insurance 15

Hijack, maximum £500

– per day £100

Section R – Travel Disruption £2,000

16 Worldwide Travel Insurance

Introduction

This is your travel insurance policy. It contains details of cover, conditions and

exclusions relating to each insured person and is the basis on which all claims will

be settled.

On the condition that you meet the requirements of being an Insured Person,

we will in the event of bodily injury, death, medical condition, disease, loss,

theft, damage or other events happening within the period of insurance provide

insurance in accordance with the operative sections of your policy as referred to in

your schedule.

The schedule and any endorsements are all part of the policy. The information you

have supplied forms part of the contract of insurance with us. Your policy is evidence

of that contract.

Policy Information or Advice

If you would like more information telephone our customer helpline on

0844 249 9981.

Underwriter

906006). Some of the services under this Policy will be provided by its agent,

AXA Travel Insurance (company number 426087), of the same Ireland address.

• upon the annual renewal of your medical health declaration, whichever is

the later.

and update your medical health declaration prior to booking any trip or departing

on any trip. All changes must be declared to us and accepted in writing before cover

can continue.

Failure to declare pre-existing medical conditions that are relevant to this

insurance may invalidate your claim.

Policy Information

1 This policy contains certain restrictions regarding pre-existing medical

conditions concerning the health of the people travelling and of other people

upon whose health the holiday may depend. You are advised to read the Important

Health Requirements on page 20 and the Important Limitations Under Section C

– Cancellation or Curtailment Charges on page 24.

2 You must claim against your private health insurer first for any inpatient medical

expenses abroad up to your policy limit.

3 If injury, illness, loss, theft or damage happens you should immediately call

AXA Assistance on 0844 249 9981 to report a medical emergency, request

repatriation, report any loss, theft or damage.

4. In the event of curtailment necessitating your early return home you must

contact AXA Assistance. The service is available to you and operates 24 hours

a day, 365 days a year for advice and assistance with your return home.

AXA Assistance will arrange transport home when you have notice of serious

illness, imminent demise, or death of a close relative in the country

of residence.

5 Your policy will be governed by the laws of England and Wales unless we have

specifically agreed in writing otherwise.

6 Under most sections of the policy, claims will be subject to an excess.

This means that you will be responsible for paying the first part of each and every

claim per incident for each insured person.

7 This policy is only available to you if you are a resident of the United Kingdom

at the date of booking each holiday and are registered with a General Practitioner in

the United Kingdom.

8 You are covered for any holiday or journey for pleasure with each individual trip

limited to 45 consecutive days, beginning and ending in the United Kingdom.

Cover for trips involving Winter Sports Activities is limited to 21 days in total

in any 12-month period. You must not undertake business of any kind during

the holiday. It is not possible to extend this policy to cover trips of more than 45

continuous days.

9 Any trip solely within the United Kingdom is only covered where you have

pre-booked at least two nights’ accommodation in a hotel, motel, holiday camp,

bed and breakfast, holiday cottage or similar accommodation rented for a fee.

Definitions

Any word or expression to which a specific meaning has been attached will bear

the same meaning throughout this policy. For ease of reading the definitions are

highlighted by the use of bold print.

Adverse weather conditions

– rain, wind, fog, thunder or lightening storm, flood, snow, sleet, hail, hurricane,

cyclone, tornado or tropical storm which is not caused by or has not originated from

a geological or catastrophic event such as but not limited to an earthquake, volcano

or tsunami.

Adviser

– specialist solicitors or their agents.

Adviser’s costs

– reasonable fees and disbursements incurred by the adviser with our prior written

authority. Legal and accounting expenses shall be assessed on the standard basis

and third party costs shall be covered if awarded against you and paid on the

standard basis of assessment.

AXA Assistance

– the Assistance Service Provider, AXA Assistance Services Europe Limited,

10/11 Mary Street, Dublin 1, Ireland.

Baggage

Worldwide Travel Insurance 17

– luggage, clothing, personal effects and other articles which belong to you and are

worn, used or carried by you during any trip (excluding valuables and personal

money).

Bodily Injury

– an identifiable physical injury caused by a sudden, violent, external, unexpected

specific event.

Close business associate

Any person whose absence from business for one or more complete days at the same

time as your absence prevents the proper continuation of that business.

Close relative

– mother, father, sister, brother, wife, husband, daughter, son, grandparent,

grandchild, parent-in-law, son-in-law, daughter-in-law, sister-in-law,

brother-in-law, stepparent, stepchild, stepsister, stepbrother, foster child, legal

guardian, legal ward, partner or fiancé/fiancée or Common-Law Partner (any

couple, including same-sex, in a common law relationship or who have co-habited

for at least six months).

Curtailment/curtail

– cutting short your trip outside the United Kingdom by returning home due to

an emergency authorised by us.

Dependent children

– All children who are 22 years of age or under (including legally adopted, legal

ward/guardianship, foster and step children) of either the First Named Account

Holder or Joint Account Holder/Second Named Account Holder who

at the start date of the journey are living at either the First Named Account

Holder’s or Joint Account Holder/Second Named Account Holder’s home

address and have no other residence or:

are in full time education (living at either the First Named Account Holder’s or

Joint Account Holder/Second Named Account Holder’s home address or

are living at a fixed term time address) and are 22 years of age or younger.

Dependent children must be unmarried or have not entered into a Civil Partnership

in order to be covered by this insurance. We will cover dependent children who

are 22 years of age or under, who do not reside permanently (or for the majority of

the time) with the First Named Account Holder or Joint Account Holder/

Second Named Account Holder, providing the dependent child(ren) reside(s)

permanently with the other parent for the remainder of the time and provided that

the residency arrangements are governed by a formal written agreement.

18 Worldwide Travel Insurance

Excess(es)

The first amount as shown in the policy summary for each insured person under

your Policy, for every incident of loss applying to each section of cover under which

a claim is made. This means that if you claim for something under a section of the

Policy for which an excess is to be deducted, you will personally be financially

responsible for the first amount as shown in the policy summary for each

insured person’s claim.

First Named Account Holder

– the person whose name appears first on the Privilege or Privilege Premier

current account.

Golf equipment

– golf clubs, golf balls, golf bag, golf trolley, and golf shoes forming part of

your baggage.

Hole-in-one

– driving from the tee during a golf match and holing out in a single stroke.

Home

– your normal place of residence in the United Kingdom.

Joint Account Holder/Second Named Account Holder

– the person whose name appears second on the Privilege or Privilege Premier

current account and is the spouse or partner of the First Named

Account Holder.

Loss of limb

– loss by physical severance, or the total and irrecoverable permanent loss of use or

function of, an arm at or above the wrist joint, or a leg at or above the ankle joint.

Loss of sight

– total and irrecoverable loss of sight in one or both eye(s); this is considered to have

occurred if the degree of sight remaining after correction is 3/60 or less on the

Snellen scale. (This means being able to see at three feet or less what you should

see at 60 feet.)

Medical condition(s)

– any medical or psychological disease, sickness, condition, illness or injury that has

affected you or any close relative, travelling companion or person with whom

you intend to stay whilst on your trip.

Medical emergency

– a bodily injury or sudden and unforeseen illness suffered by you while you are

on a trip outside the United Kingdom and a registered medical practitioner

tells you that you need immediate medical treatment or medical attention.

Medical health declaration

– medical information that needs to be declared to us by any insured person who

has suffered from a pre-existing medical condition when,

a) opening the Privilege or Privilege Premier current account,

b) prior to booking any trip, or

c) upon each annual renewal; whichever is the later.

Medical practitioner

– a legally licensed member of the medical profession, recognised by the law of

the country where treatment is provided and who, in rendering such treatment is

practising within the scope of his/her licence and training, and who is not related to

you or any travelling companion.

Pair or set

– items of baggage, valuables, golf equipment or ski equipment forming

part of a set or which are normally used together.

Panel

– our panel of advisers who may be appointed by us to act for you.

Partner

– the spouse or legal partner of the First Named Account Holder at the same

address in a relationship (for six months or more).

Period of insurance

– Cover commences on the date you open a Privilege or Privilege Premier current

account and will continue for each month you hold that account and continue to

pay the monthly subscription.

– Under this policy Section C – Cancellation cover – shall be operative from the date

you open a Privilege or Privilege Premier current account or the time you book

each trip, whichever is later, and ceases upon commencement of your trip or

on the expiry of the period of insurance, whichever is sooner. For all other

sections of the policy, the insurance commences when you leave your home

or hotel, or your place of business (whichever is the later) to commence the trip

and terminates at the time you return to your home, hotel or place of business

(whichever is the earlier) on completion of the trip.

– If you cancel your Privilege or Privilege Premier current account mid-term and/or

cease to pay the monthly subscription then all cover will cease from the expiry date

of your subscription, whether or not you are on a holiday at the time.

Extension to the period of insurance

If your return journey to the United Kingdom is unavoidably delayed because of

something which is covered under this policy, we will automatically extend your cover

for the period of the delay at no additional cost.

Permanent total disablement

– disablement which, having lasted for a period of at least 12 consecutive months

from the date of occurrence will, in the opinion of an independent qualified

specialist, prevent you from engaging in, or giving any attention to, any business

or occupation for the remainder of your life.

Personal money

– bank notes, currency notes and coins in current use, travellers and other cheques,

postal or money orders, prepaid coupons or vouchers, travel tickets, hotel vouchers

and passport, all held for private purposes.

Pre-existing medical condition(s)

1. Any past or current medical condition that has given rise to symptoms or for

which any form of treatment or prescribed medication, medical consultation,

investigation or follow-up/check-up has been required or received during the two

years prior to:

c) upon the annual renewal of your medical health declaration, whichever

is the later, and

2. Any cardiovascular or circulatory condition (e.g. heart condition, high blood

pressure, blood clots, raised cholesterol, stroke, aneurysm) that has occurred at

any time prior to any trip.

If you are aware of any pre-existing medical condition(s) these must be

declared to The Co-operative Bank Medical Assessment Helpline on

0844 811 0926, and accepted for cover.

Public transport

Worldwide Travel Insurance 19

– any publicly licensed aircraft, sea vessel, train or coach on which you are booked

to travel.

Ski equipment

– skis (including bindings), ski boots, ski poles and snowboards.

Sports Activities and Winter Sports Activities

– the activities listed on page 27 for which your participation in during your holiday

is not the sole or main reason for your trip. During a winter holiday the Winter

Sports Activities detailed are covered by your policy.

Strike or industrial action

– any form of industrial action which is carried out with the intention of stopping,

restricting or interfering with the production of goods or provision of services.

Territorial limits

– worldwide, excluding the United Kingdom for Medical Expenses Benefits.

Any trip solely within the United Kingdom is only covered where you have

Terrorism

– an act, including but not limited to the use of force or violence and/or the threat

thereof, of any person or group(s) of persons, whether acting alone or on behalf of

or in connection with any organisation(s) or governments, committed for political,

religious, ideological or similar purposes including the intention to influence any

government and/or to put the public, or any section of the public, in fear.

Trip

– any holiday, or journey for pleasure of not more than 45 continuous days made by

you within the territorial limits during the period of insurance, beginning

and ending in the United Kingdom. Cover for trips involving Winter Sports

Activities is limited to 21 days in total in any 12-month period.

You must not undertake business of any kind during the holiday.

It is not possible to extend this policy to cover trips of more than 45

20 Worldwide Travel Insurance

Unattended

– when you are not in full view of and not in a position to prevent unauthorised

interference with your property or vehicle.

United Kingdom

– England, Scotland, Wales, Northern Ireland, Isle of Man and the

Channel Islands.

Valuables

– jewellery, gold, silver, precious metal or precious or semiprecious stone articles,

watches, furs, leather goods, cameras, camcorders, photographic, audio, video,

television and telecommunications equipment (including CDs, DVDs, tapes, films,

cassettes, cartridges and headphones), laptops, notebooks and tablets, computer

games and associated equipment, telescopes, binoculars, portable DVD players,

iPod, MP3/4 players and E-readers.

We/us/our

– AXA Travel Insurance and Inter Partner Assistance, 10/11 Mary Street, Dublin 1,

Ireland, which is a branch of Inter Partner Assistance S.A., Avenue Louise 166

bte 1,1050 Brussels, a Belgian company authorised by the Banking, Finance and

Insurance Commission of Belgium under registration number 0487 and regulated

by the Financial Services Authority for the conduct of UK business. All are member

companies of the AXA Assistance Group.

You/your/insured person

– for single account holders: The First Named Account Holder, their spouse

or partner and Dependent Children. The First Named Account Holder’s

spouse or partner and/or Dependent Children are only covered when travelling

with the First Named Account Holder.

– for Joint Account Holders: The First and Second Named Account

Holders, their Dependent Children. The First and Second Named Account

Holder may travel independently of each other but their Dependent Children

are only covered when travelling with one or both account holders.

– All insured persons must be under 80 years of age or if participating in

Winter Sports Activities under 65 years of age. All insured persons must be

residents of the United Kingdom at the date of booking each holiday and must

be registered with a General Practitioner in the United Kingdom.

Important Health Requirements –

For All Insured Persons

You must comply with the following conditions in order to have full protection under

this policy. If you do not comply we may refuse to deal with your claim or reduce the

amount of any claim payment.

This insurance will not cover you if you:

1 are travelling against the advice of a medical practitioner (or would be travelling

against the advice of a medical practitioner had you sought his/her advice);

2 are travelling with the intention of obtaining medical treatment or

consultation abroad;

3 have any undiagnosed symptoms that require attention or investigation in the

future (that is symptoms for which you are awaiting investigations/consultations, or

awaiting results of investigations, where the underlying cause has not

been established);

4 are not a permanent resident of, and registered with a General Practitioner in, the

United Kingdom.

No claim arising directly or indirectly from a pre-existing medical condition

affecting you will be covered unless:

• you have declared ALL pre-existing medical conditions to us; and

• you have declared any changes in your health or prescribed medication; and

• we have accepted the condition(s) for insurance in writing.

• opening your Privilege or Privilege Premier current account; or

• booking any trip; or

• upon the annual renewal of your medical health declaration;

We will assess the medical information supplied to us and advise if we can cover the

pre-existing medical condition(s), if certain exclusions or restrictions should be

imposed, or if cover can be offered subject to the payment of an additional premium.

If the cover is subject to the payment of an additional premium, cover will not

commence until full payment has been received by us and written confirmation has

been provided by us.

If your policy is endorsed to cover any claims arising from your pre-existing medical

condition(s) the endorsement will remain valid for 12 months and you need not

re-declare your pre-existing medical condition(s) when taking any trips within

this 12-month period.

To declare a pre-existing medical condition or a change in your state of

health or prescribed medication, you should contact the Co-operative Bank Medical

Assessment Helpline on 0844 249 9981.

You should also refer to the General Exclusions.

Waived Conditions

The following medical conditions are covered free of charge and subject to the normal

terms and conditions of this insurance, provided:

1 the insured person is not awaiting surgery for the condition, and

2 the insured person has been fully discharged from any post-operative

follow-up.

You do not need to declare any of these conditions to us provided ALL criteria are met.

• Abnormal Smear Test

• Achilles Tendon Injury

• Acne

• Acronyx (Ingrowing Toe-nail)

• Adenoids

• Allergic Rhinitis

• Alopecia

Worldwide Travel Insurance 21

• Anal Fissure/Fistula

• Appendectomy

• Astigmatism

• Athlete’s Foot (Tinea Pedis)

• Attention Deficit Hyperactivity Disorder

• Bell’s Palsy (Facial Paralysis)

• Benign Prostatic Enlargement

• Bladder Infection (no ongoing treatment, no hospital admissions)

• Blepharitis

• Blindness

• Blocked Tear Ducts

• Breast – Fibroadenoma

• Breast Cyst(s)

• Breast Enlargement/Reduction

• Broken Bones (other than head or spine) – (no longer in plaster)

• Bunion (Hallux Valgus)

• Bursitis

• Caesarean Section

• Candidiasis (oral or vaginal)

• Carpal Tunnel Syndrome

• Cartilage Injury

• Cataracts

• Cervical Erosion

• Cervicitis

• Chalazion

• Chicken Pox (fully resolved)

• Cholecystectomy

• Chronic fatigue syndrome (if only symptom is fatigue and no hospital admissions)

• Coeliac Disease

• Cold Sore (Herpes Simplex)

• Common Cold(s)

• Conjunctivitis

22 Worldwide Travel Insurance

• Constipation

• Corneal Graft

• Cosmetic Surgery

• Cyst – Breast

• Cyst – Testicular

• Cystitis (no ongoing treatment, no hospital

admissions)

• Cystocele (fully recovered, no hospital admissions)

• D & C

• Deaf Mutism

• Deafness

• Dental Surgery

• Dermatitis (no hospital admissions or consultations)

• Deviated Nasal Septum

• Diarrhoea and/or Vomiting (resolved)

• Dilatation and Curettage

• Dislocations (no joint replacement or

hospital admissions)

• Dry Eye Syndrome

• Dyspepsia

• Ear Infections (resolved – must be all clear prior to

travel if flying)

• Eczema (no hospital admissions/consultations)

• Endocervical Polyp

• Endocervicitis

• Endometrial Polyp

• Epididymitis

• Epiphora (Watery Eye)

• Epispadias

• Epistaxis (Nosebleed)

• Erythema Nodosum

• Essential Tremor

• Facial Neuritis (Trigeminal Neuralgia)

• Facial Paralysis (Bell’s Palsy)

• Femoral Hernia

• Fibroadenoma

• Fibroid – Uterine

• Fibromyalgia

• Fibromyositis

• Fibrositis

• Frozen Shoulder

• Gall Bladder Removal

• Ganglion

• Glandular Fever (full recovery made)

• Glaucoma

• Glue Ear (resolved – must be all clear prior to travel

if flying)

• Goitre

• Gout

• Grave’s Disease

• Grommet(s) inserted (Glue Ear)

• Gynaecomastia

• Haematoma (external)

• Haemorrhoidectomy

• Haemorrhoids (Piles)

• Hallux Valgus (Bunion)

• Hammer Toe

• Hay Fever

• Hernia (not Hiatus)

• Herpes Simplex (Cold Sore)

• Herpes Zoster (Shingles)

• Hip Replacement (no subsequent arthritis and never

any dislocation of a joint replacement)

• Hives (Nettle Rash)

• Housemaid’s Knee (Bursitis)

• HRT (Hormone Replacement Therapy)

• Hyperthyroidism (Overactive Thyroid)

• Hypospadias

• Hypothyroidism (Underactive Thyroid)

• Hysterectomy (provided no malignancy)

• Impetigo

• Indigestion

• Influenza (full recovery made)

• Ingrowing Toe-nail (Acronyx)

• Inguinal Hernia

• Insomnia

• Intercostal Neuralgia (no admissions)

• Intertrigo

• Irritable Bowel Syndrome (IBS) (provided definite

diagnosis made and no ongoing investigations)

• Keinboeck’s Disease

• Keratoconus

• Knee Injury – Collateral/cruciate ligaments

• Knee Replacement (no subsequent arthritis and

never any dislocation of a joint replacement)

• Kohler’s Disease

• Labyrinthitis

• Laryngitis

• Learning Difficulties

• Leptothrix

• Leucoderma

• Lichen Planus

• Ligaments (injury)

• Lipoma

• Macular Degeneration

• Mastitis

• Mastoidectomy (resolved – must be all clear prior to

• Menopause

• Menorrhagia

• Migraine (provided definite diagnosis made and no

ongoing investigations)

• Miscarriage

• Mole(s)

• Molluscum Contagiosum

• Myalgic Encephalomyelitis (ME) (if the only symptom

is fatigue and no hospital admissions)

• Myxoedema

• Nasal Infection

• Nasal Polyp(s)

• Nettle Rash (Hives)

• Neuralgia (no hospital admissions)

• Nosebleed(s)

• Nystagmus

• Osgood-schlatter’s Disease

• Osteochondritis

• Otosclerosis

• Overactive Thyroid

• Parametritis

• Pediculosis

• Pelvic Inflammatory Disease

• Photodermatosis

• Piles

• Pityriasis Rosea

• Post Viral Fatigue Syndrome (if the only symptom is

fatigue and no admissions)

• Pregnancy (provided no complications)

• Prickly Heat

• Prolapsed Uterus (womb)

• Pruritis

• Psoriasis (no hospital admissions or consultations)

• Repetitive Strain Injury

• Retinitis Pigmentosa

• Rhinitis (Allergic)

• Rosacea

• Ruptured Tendons

• Salpingo-oophoritis

• Scabies

• Scalp Ringworm (Tinea Capitis)

• Scheuermann’s Disease (provided no

respiratory issues)

• Sebaceous Cyst

• Shingles (Herpes Zoster)

• Sinusitis

• Skin Ringworm (Tinea Corporis)

• Sleep Apnoea (no machine used to assist breathing)

• Sore Throat

• Sprains

• Stigmatism

• Stomach Bug (resolved)

• Strabismus (Squint)

• Stress Incontinence (no urinary infections)

• Talipes (Club Foot)

• Tendon Injury

• Tennis Elbow

• Tenosynovitis

• Termination of Pregnancy

• Testicles – Epididymitis

• Testicles – Hydrocele

• Testicles – Varicocele

• Testicular Cyst

• Testicular Torsion (Twisted Testicle)

• Throat Infection(s)

• Thrush

• Thyroid – Overactive

Worldwide Travel Insurance 23

• Thyroid Deficiency

• Tinea Capitis (Scalp Ringworm)

• Tinea Corporis (Skin Ringworm)

• Tinea Pedis (Athlete’s Foot)

• Tinnitus

• Tonsillitis

• Tooth Extraction

• Toothache

• Torn Ligament

• Torticollis (Wry Neck)

• Trichomycosis

• Trigeminal Neuralgia

• Turner’s Syndrome

• Twisted Testicle

• Umbilical Hernia

• Underactive Thyroid

• Undescended Testicle

• Urethritis (no ongoing treatment, no hospital

• URTI (Upper Respiratory Tract Infection) (resolved,

no further treatment)

• Urticaria

• Uterine Polyp(s)

• Uterine Prolapse

• Varicocele

• Varicose Veins – legs only, never any ulcers or

cellulitis

• Vasectomy

• Verruca

• Vitiligo

• Warts (benign, non-genital)

• Womb Prolapse (uterus)

• Wry Neck (Torticollis)

24

Important Limitations under Section C –

Cancellation or Curtailment Charges

Claims under Section C – Cancellation or Curtailment Charges, are not covered for

incidents arising directly or indirectly from any pre-existing medical condition

known to you prior to booking any trip affecting any close relative, close

business associate, travelling companion who is not insured under this policy, or

any person with whom you have arranged to reside temporarily while on your trip if:

1 a terminal diagnosis had been received prior to booking any trip, or

2 they were on a waiting list for or had knowledge of the need for, surgery, in-patient

treatment or investigation at any hospital or clinic at the time of booking any

trip, or

3 during the 90 days immediately prior to booking any trip they had required

surgery, in-patient treatment or hospital consultations.

Reciprocal Health Agreements

If you are travelling to a European Union (EU) country, the European Economic Area

(EEA) or Switzerland, you can apply for a European Health Insurance Card (EHIC) via

your local Post Office ® . This card entitles you to certain free or reduced cost health

cover arrangements in the EU, EEA or Switzerland.

When you are travelling to Australia and you register for treatment under the national

Medicare scheme, Medicare provides:

• free treatment as an in-patient or out-patient at a public hospital,

• subsidised medicines under the Pharmaceutical Benefits Scheme, and

• benefits for medical treatment provided by doctors through private surgeries and

Government Health Centres (not hospitals).

You must enrol at Medicare offices in Australia if you will be receiving treatment.

If you receive treatment before you enrol, Medicare benefits can be backdated, if you

are eligible. To be eligible you must be a resident of the United Kingdom and will need

to show your British passport with an appropriate visa. If you do not enrol at Medicare

offices we may reject your claim or limit the amount we pay to you. If you need

treatment which cannot be carried out under Medicare you MUST contact our

24-hour Emergency Service before seeking private treatment. If you do not do so, we

may reject your claim or limit the amount we pay to you.

For more information you should contact: Health Insurance Commission,

PO Box 1001, Tuggeranong, ACT 2901, Australia or visit their website at:

www.hic.gov.au

Emergency Assistance

Contact AXA Assistance on Telephone: +44 (0) 844 249 9981 or

+ 44 (0) 203 147 7363.

In the event of a serious illness or accident which may lead to in-patient hospital

treatment, or before any arrangements are made for repatriation or in the event of

curtailment necessitating your early return home, or in the event of you incurring

medical expenses in excess of £500, you must contact AXA Assistance.

The service is available to you and operates 24 hours a day, 365 days a year for

advice, assistance, making arrangements for hospital admission, repatriation and

authorisation of medical expenses. If this is not possible because the condition requires

immediate emergency treatment you must contact AXA Assistance as soon as

possible. Private medical treatment is not covered unless authorised specifically by

AXA Assistance.

Medical Assistance Abroad

AXA Assistance has the medical expertise, contacts and facilities to help should you

be injured in an accident or fall ill. AXA Assistance will also arrange transport home

when this is considered to be medically necessary, or when you have notice of serious

illness or death of a close relative at home.

Payment for Medical Treatment Abroad

If you are admitted to a hospital/clinic while outside the United Kingdom, AXA

Assistance will arrange for medical expenses covered by the policy to be paid direct

to the hospital/clinic. To take advantage of this benefit someone must contact AXA

Assistance for you as soon as possible.

For simple out-patient treatment, you should pay the hospital/clinic yourself and claim

back medical expenses from us on your return to the United Kingdom. Beware of

requests for you to sign for excessive treatment or charges. If in doubt regarding any

such requests, please call AXA Assistance for guidance.

General Conditions

You must comply with the following conditions to have the full protection of the Policy

Schedule. If you do not comply we may at our option refuse to deal with your claim,

or reduce the amount of any claim payment.

1 You must comply with our Important Health Requirements. No cover will come

into force, or continue in force, for Medical Emergency and Repatriation Service,

Cancellation or Curtailment, unless each insured person who must make a

medical health declaration in respect of the period for which insurance is

required, has declared ALL pre-existing medical conditions to us and they

have been formally accepted by us in writing.

Any medical information you give us will be treated as strictly confidential. We will

not pass your medical information to anyone without your specific authority.

We will use it to decide whether or not we can cover you and we will refer to it in

the event of any claim.

2 You must tell us before booking any trip or departing on any trip if there is

any change in your health, medication or treatment. If you do not tell us about

changes, claims may not be accepted and your policy may be invalid. All changes

must be declared to the Co-operative Bank Medical Assessment Helpline on

0844 811 0926 and accepted before cover can continue.

3 You must tell us as soon as possible if you are hospitalised as an in-patient, or of

any emergencies or claims whatsoever that are likely to exceed £500.

4 We ask that you notify us within 28 days of you becoming aware of an incident

additional information to us as soon as possible.

5 In the event of a claim and if we require it, you must agree to be examined by a

medical practitioner of our choice, at our expense. In the event of your death

we may also request and will pay for a post-mortem examination.

6 The maximum age limit for benefits is 79 years (or 64 years to participate in

Winter Sports Activities).

7 Cover commences on the date you open a Privilege or Privilege Premier current

account and will continue for each month you hold that account and continue

to pay the monthly subscription. Before the annual renewal date or the annual

renewal date of your medical health declaration you will need to declare or

re-declare any pre-existing medical conditions in accordance with the

Important Health Requirements.

Worldwide Travel Insurance 25

8 You must take all reasonable care and precautions to protect yourself against

accident, illness, disease or injury and to safeguard your property against loss,

theft or damage. You must act as if you are not insured and take steps to

minimise your loss as much as possible and take reasonable steps to prevent a

further incident.

9 The policy excess, as and when applicable, will be deducted in respect of each

insured person, and each and every separately identified occurrence of loss

whether notified to us as one claim or otherwise.

10 We will make every effort to apply the full range of services in all circumstances

as shown in your Policy booklet. Remote geographical locations or unforeseeable

adverse local conditions may prevent the normal standard of service

being provided.

11 You must not admit, deny, settle, reject, negotiate or make any arrangement for

any claim without our permission.

12 Tell us and provide full details in writing immediately if someone is holding

you responsible for damage to their property or bodily injury to them.

You must also immediately send us any writ or summons, letter of claim or

other document.

13 We have the right, if we choose, in your name but at our expense to:

a) take over the defence or settlement of any claim,

b) take legal action in your name to get compensation from anyone else for our

own benefit or to get back from anyone else any payments that have already

been made,

c) take any action to get back any lost property or property believed to be lost.

14 We may at any time pay to you our full liability under the Policy after which no

further payments will be made in any respect.

15 You or your legal representatives must supply at your own expense all

information, evidence, details of household insurance, medical certificates, original

invoices, receipts, reports and assistance that may be needed. We may refuse to

reimburse you for any expenses for which you cannot provide receipts or bills.

Please keep copies of all documents sent to us.

16 You must report all incidents to the local Police in the country where it occurs and

obtain a crime or lost property report, which includes an incident number.

17 If we provide transportation or settle your claim and as a result you have unused

travel ticket(s) you must surrender those tickets to us. If you do not we will

deduct the amount of those tickets from any amount paid to you.

26 Worldwide Travel Insurance

18 If you or anyone acting for you in any respect:

makes a claim under the policy knowing the claim to be false or fraudulently

exaggerated, makes a statement in support of a claim knowing the statement to

be false, submits a document in support of a claim knowing the document to be

forged or false or makes a claim in respect of any loss or damage caused by your

wilful act or with your connivance,

then we

will not pay the claim or any other claim which has been or will be made under the

policy, may at our option declare the policy void, shall be entitled to recover from

you the amount of any claim already paid under the policy, may inform the police

of the circumstances and shall not make any return of premium.

19 If we pay any expense for which you are not covered, you must pay this back

within one month of our asking.

20 You must give us, at your expense, all the information, documents and medical

certificates we ask for including details of other insurance policies that may cover

the loss.

21 If at the time of any incident which results in a claim under this policy, there is

another insurance covering the same loss, damage, expense or liability we will not

pay more than our proportional share (not applicable to Section J –

Personal Accident).

22 You must claim against your private health insurer, state health provider

and/or other travel insurer for any in-patient medical expenses abroad up to all

applicable limits.

We will not pay for claims arising directly or indirectly from:

1 War, invasion, acts of foreign enemies, hostilities or warlike operations (whether

war be declared or not), civil war, rebellion, terrorism, revolution, insurrection,

civil commotion assuming the proportions of or amounting to an uprising, military

or usurped power but this exclusion shall not apply to losses under Section G –

Emergency Medical and Other Expenses, Section H – Hospital Benefit and Section

J – Personal Accident unless such losses are caused by nuclear, chemical or

biological attack, or the disturbances were already taking place at the beginning of

any trip.

2 Ionising radiation or contamination by radioactivity from any nuclear fuel or

from any nuclear waste, from combustion of nuclear fuel, the radioactive, toxic,

explosive or other hazardous properties of any nuclear assembly or nuclear

component of such assembly.

3 Loss, destruction or damage directly occasioned by pressure waves caused by

aircraft and other aerial devices travelling at sonic or supersonic speeds.

4 Your participation in or practice of any sport or activity unless it is shown as

covered in the list of Sports Activities and Winter Sports Activities on

page 27.

5 Your engagement in or practice of: manual work involving the use of dangerous

equipment in connection with a profession business or trade; flying except as a

fare paying passenger in a fully-licensed passenger-carrying aircraft; the use of

motorised vehicle unless a full United Kingdom driving licence is held permitting

the use of such vehicles and in the case of two or three wheeled vehicles you

and your passenger are wearing a helmet; professional entertaining; professional

sports; racing (other than on foot); motor rallies and motor competitions or any

tests for speed or endurance.

6 Skiing against local authoritative warning or advice.

7 Any claim resulting from you attempting or committing suicide; deliberately injuring

yourself; using any drug not prescribed by a registered medical practitioner, being

addicted to any drugs, or abusing solvents, drugs, or alcohol, or being under the

influence of drugs, solvents, or alcohol.

8 Self exposure to needless peril (except in an attempt to save human life).

9 Any claim resulting from your involvement in a fight except in self-defence.

10 A condition you have in respect of which a medical practitioner has advised

you not to travel or would have done so had you sought his/her advice.

11 A condition for which you are travelling with the intention of obtaining medical

treatment (including surgery or investigation) or advice outside of the

12 A condition for which you are not taking the recommended treatment or

prescribed medication as directed by a medical practitioner.

13 You travelling against any health requirements stipulated by the carrier, their

handling agents or any other public transport provider.

14 Your own unlawful action or any criminal proceedings against you or any loss or

damage deliberately carried out or caused by you.

15 Any other loss, damage or additional expense following on from the event for which

you are claiming, unless we provide cover under this insurance. Examples of

such loss, damage or additional expense would be the cost of replacing locks after

losing keys; cost incurred in preparing a claim; loss of earnings following bodily

injury or illness; or loss or costs incurred arising from the interruption of

your business.

16 Any claim where you are entitled to indemnity under any other insurance, including

any amounts recoverable from any other source, except in respect of any excess

beyond the amount which would have been covered under such other insurance,

or any amount recoverable from any other source, had the benefits in this policy

herein not been effected.

17 Operational duties as a member of the Armed Forces.

18 Your travel to a country or specific area or event to which the Travel Advice Unit

of the Foreign and Commonwealth Office or the World Health Organisation has

advised the public not to travel or are officially under embargo by the

United Nations.

19 Any claim resulting from something you knew about at the time of opening your

Privilege or Privilege Premier current account or before booking any trip and

which you did not declare to The Co-operative Bank Medical Assessment Helpline

on 0844 249 9981 when opening your Privilege or Privilege Premier current

account or before booking any trip.

20 Any claim caused by you climbing, jumping or moving from one balcony to another

regardless of the height of the balcony.

21 Any costs you would have been required or been expected to pay, if the event

resulting in the claim had not happened.

22 Costs of telephone calls or faxes, meals, taxi fares (with the sole exception of the

taxi costs incurred for the initial journey to a hospital abroad due to an insured

person’s illness or injury), newspapers, laundry costs, interpreters’ fees

(with the sole exception of the interpreter costs for valid claims under Section

L Overseas Legal Expenses and Assistance), inconvenience, distress, loss of

earnings, or loss of enjoyment.

23 Any circumstances you are aware of that could reasonably be expected to give rise

to a claim on this policy.

Sports and Winter

Sports Activities

Worldwide Travel Insurance 27

Please note: This insurance does not cover you whilst engaged in any organised team

or contact sport and/or any sport or competition as a professional.

You must accept and follow the supervision and tuition of experts qualified in the

pursuit or activity in question and you must use all appropriate precautions, equipment

and eye protection. Disregarding such advice and precautions may invalidate any claim

you make.

• Abseiling †

• Archery †

• Badminton

• Baseball

• Basketball

• Bowling

• Camel Riding

• Canoeing (up to grade/class 2)

• Canoeing (up to grade/class 3 to 4) †

• Clay pigeon shooting †

• Cricket

• Elephant Riding

• Fell running †

• Fencing †

• Fishing

• Football

• Go-Karting †

• Golf

• Hockey

28

• Horse Riding †

• Horse Trekking

• Hot air ballooning †

• Jet Biking †

• Jet Skiing †

• Kitesurfing

• Mountain bicycling on tarmac †

• Netball

• Orienteering

• Paintball †

• Pony Trekking

• Racquetball

• Roller skating

• Rounders

• Running

• Sailing (within 20 Nautical Miles of the coastline)

• Sailing (Outside 20 Nautical Miles of

the coastline) †

• Scuba diving (Unqualified and above 18 metres)

• Scuba diving (Qualified and above 40 metres) †

• Squash

• Surfing

• Table Tennis

• Tennis

• Trampolining

• Trekking (Up to 4000 metres without use of climbing equipment)

• Volleyball

• War games †

• Water polo

• Water Skiing.

†

No Personal Liability or Personal Accident cover.

Winter Sports Activities

Please note: The maximum age limit to participate in Winter Sports Activities is

64 years.

• Cross country skiing (on recognised paths) †

• Glacier Skiing †

• Ice Skating (on recognised ski rinks)

(no speed skating)

• Monoskiing

• On piste skiing

• Off piste skiing with a qualified instructor only

• On piste snowboarding

• Off piste snowboarding with a qualified instructor only

• Ski touring †

• Skidoo †

• Snowblading †

• Snowshoeing

• Tobogganing † .

No Personal Liability or Personal Accident cover

Section A. Travel Advice

What IS Covered

Section A

Before and during your trip we will provide you with information on:

1 Current visa and entry requirements for all countries. If you hold a passport from

a country other than the United Kingdom, we may need to refer you to the

embassy or consulate of the country concerned.

2 Current vaccination requirements for all countries and information on current World

Health Organisation warnings and where you can get them.

3 What you should take with you regarding first aid and health.

4 Weather forecasts abroad.

5 Specific languages spoken and details of the countries you plan to visit.

6 Time zones and time differences.

7 Opening hours of major banks including information and advice on the acceptability

of various currencies and travellers’ cheques and the main currency in use at the

travel destination, as well as the current exchange rates.

We can also arrange the following for you:

1 Transport to and from airports.

2 Make hotel bookings and reservations.

3 Book hire cars.

4 Make reservations and bookings on scheduled flights.

5 Book tickets for events you may wish to see while you are away, such as theatre,

shows, concerts and exhibitions.

Worldwide Travel Insurance 29

Section B. Travel Assistance

During your trip we will:

1 Assist you with the procurement of a lawyer and/or interpreter and/or the advance

of any legal or interpreter’s fees if you are arrested or threatened with arrest while

travelling, or are required to deal with any public authority.

2 Relay messages to your close relatives, business colleagues or friends in the

3 Assist in locating your lost luggage and provide you with regular updates on the

current situation.

4 Assist in obtaining replacement travel documents if the documents required for the

return journey are lost or stolen. We will not pay the charges payable for issuing

new documents.

5 Advise you on how and where to cancel your credit cards if they are lost

or stolen.

6 Advise you on how to transfer money out to you if required.

7 Provide help in replacing your essential prescription medication if it, or a local

equivalent is unavailable when you are outside of the United Kingdom. We will

only pay the cost for the shipping, not for the cost of the medication, duties

or taxes.

8 Provide an escort service for unaccompanied minors. Any resulting costs will have

to be funded by you.

What IS NOT Covered

1 The cost of any advance, flight or delivery fee.

2 Anything mentioned in General Exclusions on page 26.

30 Worldwide Travel Insurance

Section C. Cancellation or

Curtailment Charges

You should always contact AXA Assistance before you cancel or curtail

your trip. To cancel your trip telephone +44 (0) 844 249 9981.

To curtail your trip telephone +44 (0) 844 249 9981.

We will pay you, up to the amount shown in the Benefit Schedule, for any

irrecoverable unused travel and accommodation costs and other prepaid charges which

you have paid or are contracted to pay together with any reasonable additional travel

expenses incurred if:

a) cancellation of your trip is necessary and unavoidable, or

b) your trip is curtailed before completion

as a result of any of the following changes in circumstances, which is beyond your

control, and of which you were unaware at the time you booked your trip:

1 Unforeseen illness, injury or death of you, a close relative, a close business

associate or any person with whom you are travelling or staying during your trip.

2 Compulsory quarantine, jury service attendance or being called as a witness at a

Court of Law (other than in an advisory capacity) of you or any person with whom

you are travelling or have arranged to travel with.

3 Redundancy (which qualifies for payment under the current redundancy payment

legislation in the United Kingdom and at the time of booking your trip there was

no reason to believe anyone would be made redundant) of you or any person with

whom you are travelling or have arranged to travel with.

4 The withdrawal of leave for members of the Armed Forces, Police, Fire, Nursing or

Ambulance Services or employees of a Government Department, provided that such

cancellation or curtailment could not reasonably have been expected at the time

of receiving these benefits or booking your trip (whichever is the later).

5 The Police requesting you to remain at or subsequently return to your home due

to serious damage to your home caused by fire, aircraft, explosion, storm, flood,

subsidence, malicious persons or theft.

Rebooking Fees

We will pay you up to the amount shown in the Benefit Schedule for rebooking fees

if, due to an incident covered by Section C – Cancellation, you chose to rebook your

covered holiday instead of cancelling.

Important Limitations

Claims under Section C - Cancellation or Curtailment Charges are not covered for

any person with whom you have arranged to reside temporarily while on your

trip if:

Special Conditions

1 You must obtain a medical certificate from your treating medical practitioner

and prior approval of AXA Assistance to confirm the necessity to return home

prior to curtailment of your trip due to death, bodily injury or illness.

2 If you delay or fail to notify the travel agent, tour operator or provider of

transport/accommodation, at the time it is found necessary to cancel your trip,

our liability shall be restricted to the cancellation charges that would have applied

had failure or delay not occurred.

3 If you cancel your trip due to bodily injury or illness you must provide a

medical certificate from the medical practitioner treating the injured/ill person,

stating that this necessarily and reasonably prevented you from travelling.

4 If the car which you intended to use for your trip is stolen or damaged within

seven days of the departure date then the costs of a hire car will be covered and no

cancellation costs will be paid.

5 You must contact us to make necessary travel arrangements for you.

6 In the event of a claim for curtailment, indemnity will be calculated strictly from

the date you return to your home in the United Kingdom.

7 Anything mentioned in General Conditions on page 25.

1 The excess shown in the Benefit Schedule applies to each and every claim per

incident for each insured person.

2 Any claim arising directly or indirectly from a pre-existing medical condition

affecting you unless you have declared ALL pre-existing medical conditions

to us and we have written to you accepting them for insurance.

3 The cost of recoverable airport charges and levies.

4 Any claims arising directly or indirectly from circumstances known to you prior to the

date these benefits became effective or the time of booking any trip (whichever is

the earlier) which could reasonably have been expected to give rise to cancellation or

curtailment of your trip or Claims arising directly or indirectly from:

a) Strike or industrial action or air traffic control delay existing or publicly declared

by the date these benefits became effective or you booked your trip (whichever is

the earlier).

b) The withdrawal from service (temporary or otherwise) of public transport on the

orders or recommendation of the regulatory authority in any country.

You should refer any claim in this case to the transport operator involved.

5 Any costs or charges for which any carrier or provider must, has or will

compensate you.

6 Any claim resulting from change of plans due to your financial circumstances

except if you are made redundant and qualify for redundancy payment under

current UK legislation.

7 Any costs paid for using any airline mileage reward scheme, for example Air Miles,

any card bonus point schemes, any Timeshare, Holiday Property Bond or other

holiday points scheme and/or any associated maintenance fees.

8 Any claim arising from pregnancy or childbirth unless certified by a medical

practitioner as necessary due to unforeseen complications which commence

after you purchased or renewed your policy or after booking any trip, whichever is

9 Any costs incurred because you did not contact the emergency service provider to

make the necessary travel arrangements, immediately you knew that your trip

was to be curtailed.

Worldwide Travel Insurance 31

10 Any costs incurred when you do not get a medical certificate from the treating

medical practitioner at your resort or place of incident, explaining why it is

deemed medically necessary to return home early to the United Kingdom.

11 Any claim resulting from your inability to travel due to an insured person’s

failure to hold, obtain or produce a valid passport or any required visas.

12 Anything mentioned in General Exclusions on page 26.

Section D. Delayed

Departure/Abandonment

If you have arrived at the terminal and have checked-in, or attempted to check in for

your pre-booked flight, sea crossing, international coach or international train journey

from or to the United Kingdom, and it is delayed for more than 12 hours beyond the

intended departure time as a direct result of:

1 strike or industrial action, or

2 adverse weather conditions, or

3 mechanical breakdown of or a technical fault occurring in the scheduled public

transport on which you are booked to travel,

we will reimburse you, either:

a) £25 for the first full 12 hours that your departure is delayed for your costs

incurred in the terminal in respect of restaurant meals and refreshments

consumed, and

b) £25 for each additional full six-hour period of delay for your costs incurred

in the terminal in respect of restaurant meals, refreshments consumed and

hotel accommodation.

Itemised receipts must be kept as proof of purchase. The maximum we will

pay you per trip is £150; or

For travel advice and emergency assistance telephone +44(0) 844 249 9981

c) If after a minimum of 24 hours delay on your outward journey and the

period of your trip is reduced by more than 25% of the original pre-booked

duration, you may choose to submit a cancellation claim under Section C –

Cancellation. A refund or alternative compensation must initially be sought

from the travel provider.

32 Worldwide Travel Insurance

1 You must check in or attempt to check in at the terminal according to the itinerary

supplied to you.

2 You must obtain confirmation from the carriers (or their handling agents) in writing

of the number of hours of delay and the reason for the delay.

3 You must comply with the terms of contract of the travel agent, tour operator or

provider of transport.

4 You may claim only once under Section D. Delayed Departure/Abandonment or

once under Section E. Missed Departure/ or once under Section F. Involuntary

Denial of Boarding for the same event, not twice or all.

5 Anything mentioned in General Conditions on page 25.

1 The Policy Excess for Abandonment.

2 Claims arising directly or indirectly from:

a) Strike or industrial action or air traffic control delay existing or publicly

declared by the date these benefits became effective or you booked your trip

(whichever is the earlier).

b) The withdrawal from service (temporary or otherwise) of public transport on

the orders or recommendation of the regulatory authority in any country.

3 Claims where you do not provide receipts for the restaurant meals

and refreshments.

4 Claims where you have not spent any money.

6 Claims if you do not check-in (or attempted to check in) and arrive at the departure

point before the advised time.

7 Anything mentioned in General Exclusions on page 26.

Section E. Missed Departure

We will pay you, up to the amount shown in the Benefit Schedule, for reasonable

additional accommodation (room only) and travel expenses necessarily incurred in

reaching your overseas destination if you fail to arrive at the international departure

point in time to board the scheduled public transport on which you are booked to

travel on the initial international journey of the trip as a result of:

1 the failure of other scheduled public transport, or

2 an accident to or breakdown of the vehicle in which you are travelling.

3 heavy traffic or road closures that were sufficiently severe to warrant reporting on a

recognised motoring association website or on television, news bulletins or in

the press.

We will help you to get to your international departure point by:

• liaising with your carrier and/or tour operator to advise them of your late arrival

• arranging emergency local help including towing your vehicle to the

nearest garage

• arranging alternative transport

• arranging for overnight hotel accommodation and alternative international travel to

your pre-booked destination by the most direct alternative route.

1 You must allow sufficient time for the scheduled public transport or other

transport to arrive on schedule and to deliver you to the departure point.

2 You must obtain a written report from the carrier confirming the delay and cause.

3 You must obtain a written report from the local police or attending emergency

service if the vehicle you are travelling in breaks down or is involved in

an accident.

5. Anything mentioned in General Conditions on page 25.

What Is Not Covered

1 Claims arising directly or indirectly from:

a) Strike or industrial action existing or being publicly announced by the date

you purchased this insurance or at the time of booking any trip.

b) An accident to or breakdown of the vehicle in which you are travelling for which

a professional repairers report is not provided.

c) Breakdown of any vehicle in which you are travelling if the vehicle is owned

by you and has not been serviced properly and maintained in accordance with

manufacturer’s instructions.

d) The withdrawal from service (temporary or otherwise) of public transport on

2 Additional expenses where the scheduled public transport operator has offered

reasonable alternative travel arrangements.

3 Any claim where you have not allowed yourself sufficient time to arrive at the

international departure point in time to check-in or clear passport and

security controls;

4 Any claim where you did not contact us to make the necessary

travel arrangements.

5 Anything mentioned in General Exclusions on page 26.

Section F. – Involuntary Denial

of Boarding

If you have checked-in, or attempted to check in, for a confirmed scheduled flight,

within the published check-in times, and you are involuntarily denied boarding as a

result of overbooking, we will pay your costs incurred in respect of restaurant meals

and refreshments consumed between the original scheduled flight departure time and

your actual departure time, up to the amount shown in the Benefit Schedule.

Worldwide Travel Insurance 33

1 You may claim only once under Section D. Delayed Departure/Abandonment or

2 Anything mentioned in General Conditions on page 25.

1 Any costs or charges for which the airline will compensate you.

2 Any costs or charges incurred where seat bumping was not involuntary and/or on a

mandatory basis.

3 Any claims where written proof from the airline is not obtained confirming your

inability to travel through over-booking and the period of delay until your next

available flight is confirmed.

4 Anything mentioned in the General Exclusions on page 26.

Section G. Emergency Medical

and Other Expenses

To comply with the terms and conditions of the insurance, you must contact us if you

are hospitalised as an in-patient, or before incurring any expenses whatsoever over

£500, in order to obtain our prior authorisation, immediately you are physically able to

do so. For the avoidance of any doubt – failure to contact us as required may result in

our declining to pay your claim.

We will pay the following costs if you suffer an unforeseen bodily injury, illness or

die during a trip outside the United Kingdom:

1 All reasonable and necessary expenses which arise as a result of a medical

emergency involving you. This includes medical practitioners’ fees, hospital

expenses, medical treatment and all the costs of transporting you to the nearest

suitable hospital, when deemed necessary by a recognised

medical practitioner.

34 Worldwide Travel Insurance

2 Emergency dental treatment for the immediate relief of pain and/or emergency

repairs to dentures or artificial teeth solely to relieve distress in eating up to the

limit in the Benefit Schedule.

3 In the event of your death outside of the United Kingdom the reasonable

additional cost of funeral expenses abroad up to a maximum of £4,000 plus the

reasonable cost of returning your remains to your home.

4 Necessary additional accommodation expenses incurred, up to the standard

of your original booking, if it is medically necessary for you to stay beyond

your scheduled return date. This includes, with the prior authorisation of AXA

Assistance, necessary additional accommodation expenses for a friend or close

relative to remain with you and escort you home. If you and your friend or

close relative are unable to use the original return ticket, AXA Assistance will

provide additional travel expenses up to the standard of your original booking to

return you to your home.

5 With the prior authorisation of AXA Assistance, economy class transport and up

to £150 per night for 10 nights’ accommodation expenses for a close relative

from the United Kingdom to visit you or escort you to your home if you are

travelling alone and if you are hospitalised as an in-patient for more than 10 days.

6 With the prior authorisation of AXA Assistance, the additional costs incurred in

the use of air transport or other suitable means, including qualified attendants, to

repatriate you to your home if it is medically necessary. Repatriation expenses

will be in respect only of the identical class of travel utilised on the outward journey

unless AXA Assistance agree otherwise.

7 Economy class transport and up to £150 per night for three nights’ accommodation

expenses for a friend or close relative to travel from the United Kingdom to

escort insured persons under the age of 16 to your home in the

United Kingdom if you are physically unable to take care of them. If you cannot

nominate a person we will then select a competent person.

1 You must give notice as soon as possible to AXA Assistance of any bodily

injury or medical condition which necessitates your admittance to hospital as

an in-patient or before any arrangements are made for your repatriation.

2 In the event of your bodily injury or medical condition we reserve the right

to relocate you from one hospital to another and arrange for your repatriation to

the United Kingdom at any time during the trip. We will do this if in the opinion

of the medical practitioner in attendance and AXA Assistance you can be

moved safely and/or travel safely to the United Kingdom to continue treatment.

3 You must claim against your state or private health insurer for any in-patient

medical expenses abroad up to your policy limit. In the event of a claim under this

section you must advise us of any other insurance policy you hold or benefit from

which may provide cover.

4 Anything mentioned in General Conditions on page 25.

1 Any claims arising directly or indirectly as a result of any pre-existing medical

conditions unless you have declared ALL pre-existing medical conditions

2 Costs of more than £500 or medical repatriation not agreed or authorised by us

in advance.

3 Any costs for transportation and/or accommodation not arranged by us, or incurred

without our prior approval.

4 Any treatment which is not a surgical or medical procedure with the sole purpose

of curing or relieving acute unforeseen illness or injury.

5 Costs incurred in obtaining or replacing medication, which at the time of departure

is known to be required or to be continued outside the United Kingdom.

6 The cost of dental treatment involving the provision of dentures, artificial teeth or

the use of precious metals.

7 Treatment or services provided by a private clinic or hospital, health spa,

convalescent home or any rehabilitation centre unless confirmed as medically

necessary by our Chief Medical Officer.

8 Expenses incurred as a result of a tropical disease where you have not had the

recommended inoculations or vaccinations and/or taken the

recommended medication.

9 Any claim arising from pregnancy or childbirth unless certified by a medical

10 Costs of telephone calls, other than calls to AXA Assistance notifying them of the

problem for which you are able to provide a receipt or other evidence to show the

cost of the call and the number telephoned.

11 Additional costs arising from single or private room accommodation.

12 Any expenses incurred after you have returned to the United Kingdom unless

previously agreed to by AXA Assistance.

13 Treatment costs for cosmetic reasons unless our Chief Medical Officer agrees

such treatment is necessary as a result of an accident covered by this Policy.

14 The cost of any treatment which, in the opinion of our Chief Medical Officer, can

safely be delayed until your return home.

15 Any costs you incur outside the United Kingdom after the date our Chief

Medical Officer tells you you should return home or we arrange for you to return

home. (Our liability to pay further costs under this section after that date will be

limited to what we would have paid if your repatriation had taken place.)

16 You must not unreasonably refuse the medical repatriation services we agree to

provide and pay for under this Policy. If you choose alternative medical repatriation

services without reasonable grounds for doing so, which we have accepted in

writing, it will be at your own risk and own cost.

17 The cost of flight tickets exceeding economy class for an accompanying

non-medical escort in the event of medical repatriation (any increase in cost due to

requested upgraded flight tickets must be at the personal expense of the

person(s) travelling).

18 Any costs incurred in Europe which would have been covered by the use of an EHIC

card had you obtained one, and you failed to obtain one prior to travel.

19 Any costs incurred in Australia which would have been covered by Medicare had

you enrolled, and you failed to enrol in Medicare, having had the opportunity to

do so.

20 Costs incurred in the United States that exceed the average reimbursement the

medical service provider receives for all services rendered to its patients for like

treatment, but in any event no more than one and a half times the rate that would

be applicable if the costs were payable by US Medicare.

21 Air-sea rescue costs.

22 Any medical costs you incur when you are engaging in Winter Sports

Activities when you are over the age of 64.

23 The policy excess.

24 Anything mentioned in General Exclusions on page 26.

Worldwide Travel Insurance 35

Section H. Hospital Benefit

If we accept a claim under Section G – Emergency Medical and Other Expenses,

we will also reimburse you up to £25 for incidental expenses (such as telephone line

rental, television rental and visitor taxi journeys) for each continuous 24-hour period

that you have to spend in hospital as an in-patient outside the United Kingdom.

Itemised receipts must be kept as proof of costs incurred.

1 Any claims arising directly or indirectly from:

a) Any additional period of hospitalisation relating to treatment or surgery, including

exploratory tests, which are not directly related to the bodily injury or

medical condition which necessitated your admittance into hospital.

b) Any additional period of hospitalisation relating to treatment or services provided

by a convalescent or nursing home or any rehabilitation centre.

c) Any additional period of hospitalisation following your decision not to be

repatriated after the date when in the opinion of AXA Assistance it is safe to

2 Any claim where you cannot provide itemised receipts.

3 Claims for more than one round trip taxi journey per day.

4 Anything mentioned in General Exclusions on page 26.

36

Section I. Baggage, Baggage

Delay, Personal Money

We will pay you, up to the amount shown in the Benefit Schedule, for the accidental

loss of, theft of or damage to baggage and/or valuables. The amount payable will be

the value at today’s prices less a deduction for wear tear and depreciation, (or we may

at our option replace, reinstate or repair the lost or damaged baggage).

The maximum we will pay for any one article, pair or set of articles is equal to the

Single Item Limit shown in the Benefit Schedule. The maximum we will pay for all

valuables in total is equal to the valuables Limit shown in the Benefit Schedule.

Baggage Delay

We will pay you up to the amount shown in the Benefit Schedule for the emergency

replacement of clothing, medication and toiletries if your baggage is temporarily lost

in transit during the outward journey and not returned to you within 12 hours, provided

written confirmation is obtained from the carrier, confirming the number of hours the

baggage was delayed. All receipts must be retained.

If the loss is permanent the amount paid will be deducted from the final amount to be

paid under this section.

Personal Money

We will pay you up to the amounts shown in the Benefit Schedule for the accidental

loss of, theft of or damage to personal money.

We will pay you up to the amounts shown in the Benefit Schedule for cash limit for

bank notes, currency notes and coins and up to the cash limit for under 16s if you are

age 15 and under.

Passport

If your passport is lost or stolen outside of the United Kingdom, we will pay up

to the amount shown in the Benefit Schedule for reasonable additional travel and

accommodation expenses to obtain an emergency passport abroad. We will only pay

the pro rata value of the lost passport.

1 You must report all incidences of loss, theft, or attempted theft of baggage,

valuables, personal money, golf equipment and ski equipment to the

local Police in the country where the incident occurred within 24 hours of discovery

and obtain a written report. A Holiday Representative’s Report is not sufficient.

2 For items damaged whilst on your trip you must obtain a damage report/repair

statement from an appropriate agent.

3 You must take all reasonable steps to get back any article which has been lost or

stolen, and to identify the person you believe to be responsible for the loss and

assist in any legal action.

4 If baggage, golf equipment and ski equipment is lost, stolen or damaged

while in the care of a carrier, transport company, authority or hotel you must

report to them, in writing, details of the loss, theft or damage and obtain an official

report from an appropriate local authority. If baggage, golf equipment and ski

equipment is lost, stolen or damaged whilst in the care of an airline you must:

a) immediately obtain a Property Irregularity Report from the airline, but no later

than 24 hours of discovery of the incident

b) give formal written notice of the claim to the airline within the time limit

contained in their conditions of carriage (please retain a copy).

c) retain all travel tickets and tags for submission if a claim is to be made under

this policy.

5 You must provide an original receipt or proof of ownership for items lost, stolen or

damaged to help you to substantiate your claim.

6 You must retain any property which is damaged, and, if requested, send it to us

at your own expense. You must not abandon any property for us to deal with or

dispose of any damaged items as we may need to see them.

7 If we pay a claim for the full value of the property and it is subsequently recovered

or there is any salvage then it will become our property.

8 Payment will be made based on the value of the property at the time it was

damaged, lost or stolen. A deduction will be made for wear, tear and loss of value

depending on the age of the property.

9 You must produce evidence of the withdrawal of bank notes, currency notes or

coins – otherwise no payment will be made.

10 Anything mentioned in General Conditions on page 25.

1 The Policy Excess.

2 Loss, theft of or damage to valuables or personal money left unattended at

any time (including in a vehicle or in the custody of carriers) unless deposited in a

hotel safe or locked safety deposit box.

3 Loss, theft of or damage to baggage, golf equipment and ski equipment

contained in an unattended vehicle:

a) overnight between 9pm and 9am (local time), or

b) at any time between 9am and 9pm (local time) unless it is in the locked boot

which is separate from the passenger compartment for those vehicles with a

boot, or for those vehicles without a separate boot locked in the vehicle and

covered from view

and evidence of forcible and violent entry to the vehicle confirmed by a police

report issued by the local police in the country of incident.

4 Loss or damage due to delay, confiscation or detention by customs or

other authority.

5 Loss, theft of or damage to unset precious stones, contact or corneal lenses,

hearing aids, dental or medical fittings, cosmetics, tobacco, alcohol, antiques,

musical instruments, deeds, manuscripts, securities, perishable goods, bicycles

and damage to suitcases (unless the suitcases are entirely unusable as a result of

one single incidence of damage).

6 Loss or damage due to cracking, scratching, breakage of or damage to china,

glass (other than glass in watch faces, cameras, binoculars or telescopes),

porcelain or other brittle or fragile articles unless caused by fire, theft, or accident

to the aircraft, sea vessel, train or vehicle in which they are being carried.

7 Loss or damage due to breakage of sports equipment or damage to sports clothing

whilst in use.

Worldwide Travel Insurance 37

8 Claims which are not supported by the original receipt, proof of ownership or

insurance valuation (obtained prior to the loss) of the items lost, stolen

or damaged.

9 Loss, theft of or damage to business goods, samples, tools of trade, motor

accessories and other Items used in connection with your business, trade,

profession or occupation.

10 Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric

or climatic conditions, moth, vermin, any process of cleaning repairing or restoring,

mechanical or electrical breakdown or liquid damage.

11 Loss or damage due to depreciation in value, variations in exchange rates or

shortages due to error or omission.

12 Claims arising from loss or theft from your accommodation unless there is

evidence of forced entry which is confirmed by a police report issued by the local

police in the country of incident.

13 Claims arising from damage caused by leakage of powder or liquid carried within

personal effects or baggage.

14 Claims arising from loss, theft or damage of baggage, golf equipment and ski

equipment shipped as freight or under a bill of lading.

15 Loss, theft of or damage to travellers cheques if you have not complied with the

issuers conditions or where the issuer provides a replacement service.

16 Loss or damage due to depreciation in value, variations in exchange rates or

17 Anything mentioned in General Exclusions on page 26.

38 Worldwide Travel Insurance

Section J. Personal Accident

If you suffer an accidental bodily injury during your trip, which within 12 months

is the sole and direct cause of death or disablement, we will pay to you or your legal

personal representatives the following benefits:

1 £25,000 for death, or

2 £25,000 for the loss of limbs, or the total and irrecoverable loss of sight in

one or both eyes, or

3 £25,000 for permanent total disablement if you are over 16 years old or

under 70 years old.

The most we will pay you in total under this section per trip is £25,000.

1 Any claim arising directly or indirectly from any pre-existing

medical condition(s).

Section K. Personal Liability

We will pay up to the amount shown in the Benefit Schedule, (inclusive of legal costs

and expenses up to the amount shown in the policy schedule) against any amount you

become legally liable to pay as compensation for any claim or series of claims arising

from any one event or source of original cause in respect of accidental:

1 Bodily Injury, death, illness or disease to any person who is not in your

employment or who is not a close relative, relative or member of

your household.

2 Loss of or damage to property that does not belong to and is neither in the charge

of or under the control of you, a close relative, relative, anyone in your

employment or any member of your household other than any temporary holiday

accommodation occupied (but not owned) by you.

1 You must give us written notice as soon as possible of any incident, which may

give rise to a claim.

2 You must forward every letter, writ, summons and process to us as soon as you

receive it.

3 You must not admit any liability or pay, offer to pay, promise to pay or negotiate

any claim without our written consent.

4 We will be entitled if we so desire to take over and conduct in your name the

defence of any claims for indemnity or damages or otherwise against any third

party. We shall have full discretion in the conduct of any negotiation or proceedings

or in the settlement of any claim and you shall give us all necessary information

and assistance which we may require.

5 In the event of your death, your legal representative(s) will have the protection

of the Benefit Schedule provided that such representative(s) comply(ies) with the

terms and conditions outlined in this document.

6 Anything mentioned in General Conditions on page 25.

2 Any claim arising in connection with a trip solely in the United Kingdom.

3 Compensation or legal costs arising directly or indirectly from:

a) Liability which has been assumed by you under agreement unless the liability

would have attached in the absence of such agreement.

b) Pursuit of any business, trade, profession or occupation or the supply of goods

or services.

c) Ownership possession or use of vehicles, aircraft or watercraft (other than

surfboards or manually propelled rowboats, punts, canoes).

d) Any injury, illness, death, loss expense or other liability attributable to the

transmission of any communicable disease or virus and/or any related illness

and/or any mutant derivatives or variations thereof, however caused.

e) Ownership or occupation of land or buildings (other than occupation only of any

temporary holiday accommodation where we will not pay for the first £250 of

each and every claim arising from the same incident).

f) Arising out of your criminal, malicious or deliberate acts.

4 Anything mentioned in the General Exclusions on page 26.

Section L. Overseas Legal

Expenses and Assistance

We will pay up to the amount shown in the Benefit Schedule, for legal costs to pursue

a civil action for compensation if someone else causes you bodily injury, medical

condition or death during your trip. We will also pay reasonable costs of an

interpreter that is arranged by us for court proceedings.

How we settle Legal Expenses claims:

We will appoint a member of our panel to handle your case. However, should you

choose to appoint an adviser of your own choice to act on your behalf, you will

notify us to that effect. We will, upon receipt of your notification, advise you of any

conditions concerning such appointment.

1 You must notify us of claims as soon as reasonably possible within 30 days of you

becoming aware of an incident which may generate a claim.

2 We will provide you with a claim form which must be returned promptly with all

relevant information required by us. You must supply at your own expense all of

the information which we reasonably require to decide whether a claim may

be accepted.

3 In the event of a dispute arising as to adviser’s costs we may require you to

change adviser.

4 We shall only be liable for adviser’s costs for work expressly authorised by us

in advance in writing and undertaken while there are reasonable prospects of

success. In the event that you instruct an adviser of your own choice instead of

the panel adviser appointed by us, your adviser’s costs will be covered to

the extent that they do not exceed our standard panel adviser’s costs.

5 You are responsible for any adviser’s costs if you withdraw from the legal

action, other than on the advice of your adviser, without our prior consent.

Any adviser’s costs or other fees already paid under this insurance will be

reimbursed to us by you.

Worldwide Travel Insurance 39

6 We will not start legal proceedings in more than one country in respect of the

same occurrence.

7 We may choose to conduct legal proceedings in the United States of America or

Canada under the contingency fee system operating in those countries.

8 Anything mentioned in General Conditions on page 25.

1 Any claim where we think there is not a reasonable chance of you winning the

case or achieving a reasonable settlement.

2 Costs or expenses incurred before we accept your claim in writing.

3 Claims not notified to AXA Assistance within 28 days of the incident.

4 Claims against a carrier, the travel or holiday agent or tour operator arranging any

trip, us, Inter Partner Assistance, AXA Travel Insurance Limited,

AXA Assistance or their agents and The Co-operative Bank.

5 Claims against someone you were travelling with or another insured person or

any other person insured under a Co-operative Bank current account policy.

6 Legal action where in our opinion the estimated amount of compensation is less

than £750.

7 Actions undertaken in more than one country.

8 Lawyers’ fees incurred on the condition that your action is successful.

9 Penalties or fines which a Court awards against you.

10 Claims by you other than in your private capacity.

11 Claims occurring within the United Kingdom.

40 Worldwide Travel Insurance

Section M1, M2 and M3.

Winter Sports

Please note:

The maximum age limit to participate in Winter Sports Activities is 64 years.

Cover for trips involving Winter Sports Activities is limited to 21 days in total in

any 12-month period.

Section M1 – Ski Equipment and Ski Equipment Hire

Ski Equipment

We will pay you, up to the amount shown in the Benefit Schedule, for the

accidental loss of, theft of or damage to your own ski equipment, or for hired ski

equipment. The amount payable will be the value at today’s prices less a deduction

for wear tear and depreciation, (or we may at our option replace, reinstate or repair

the lost or damaged ski equipment). The maximum we will pay for any one article,

pair or set of articles is shown in the Benefit Schedule.

Ski Equipment Hire

We will pay you, up to the amount shown in the Benefit Schedule, for the reasonable

cost of hiring replacement ski equipment as a result of the accidental loss of, theft of

or damage to or temporary loss in transit for more than 24 hours of your own

ski equipment.

1 Our liability for ski equipment hired by you shall be further limited to your

liability for such loss or damage.

2 Anything mentioned in the Special Conditions to Section I. Baggage, Baggage

Delay, Personal Money and Passport on page 35.

3 Anything mentioned in General Conditions on page 25.

1 The excess per incident for each insured person as shown in the

Benefit Schedule.

2 Anything mentioned in What is NOT Covered under Section I. Baggage, Baggage

3 Anything mentioned in the General Exclusions on page 26.

Section M2 – Ski Pack

We will pay you, up to the amount shown in the Benefit Schedule for the unused

portion of your ski pack (ski school fees, lift passes and hired ski equipment)

following your bodily injury or illness.

1 You must provide written confirmation from a medical practitioner that such

bodily injury or illness prevented you from using your ski pack.

2 Anything mentioned in the General Exclusions on page 26.

Section M3 – Piste Closure

If you are prevented from skiing (excluding cross country skiing) at the pre-booked

resort due to lack of snow, excess snow or adverse weather we will pay you, up to

the amount shown in the Benefit Schedule for the cost of transport organised by the

tour operator to an alternative site. The cover only applies to trips to resorts, taken

during their published ski season, which you have pre-booked for a period exceeding

12 hours and for so long as such conditions prevail at the resort, but not exceeding the

pre-booked period of your trip.

If no alternative sites are available we will pay you compensation of the amount shown

in the Benefit Schedule.

1 This cover does not apply to holidays taken in the United Kingdom.

2 You must obtain written confirmation from the resort management of the piste

conditions confirming the closure of facilities and the dates applicable.

1 Anything mentioned in the General Exclusions on page 26.

Section N. – Golf Cover

Section N1 – Golf Equipment

We will pay you up to the amount as shown in the Benefit Schedule for loss, theft, or

damage to your own golf equipment. The amount payable will be the value at the

time of the loss, less a deduction for wear tear and depreciation, or we may at our

option replace, reinstate or repair the lost or damaged golf equipment.

The maximum payment for any single item is shown in the Benefit Schedule.

1 Anything mentioned in the Special Conditions to Section I. Baggage, Baggage

1 Claims arising for golf equipment left unattended in a place to which the

general public has access or left in the custody of a person who does not have an

official responsibility for the safekeeping of the property at anytime.

2 Claims arising for loss, theft or damage of golf equipment carried on a vehicle

roof rack.

Worldwide Travel Insurance 41

3 Loss, theft of or damage to golf equipment over five years old.

4 Anything mentioned in What is NOT Covered under Section I. Baggage, Baggage

5 Anything mentioned in the General Exclusions on page 26.

Section N2 – Golfing Liability

and expenses up to the amount shown in the Benefit Schedule) against any amount you

from any one event or source of original cause in respect of an incident related to golfing

on a recognised public or private golf course:

1 not involving any person who is in your employment or who is a close relative,

relative or member of your household; or

2 loss of or damage to property that belongs to and/or is in the charge of or under

the control of you, a close relative, relative, anyone in your employment or

any member of your household other than any temporary holiday accommodation

occupied (but not owned) by you.

42 Worldwide Travel Insurance

1 Compensation or legal costs arising directly or indirectly from:

c) Ownership, possession or use of vehicles, aircraft or watercraft (other than

d) The transmission of any communicable disease or virus.

f) Your criminal, malicious or deliberate acts.

Section N3 – Green Fees

We will pay you up to the amount shown in the Benefit Schedule per trip to reimburse

your prepaid, irrecoverable Green Fees if:

1 You are ill or suffer a bodily injury during your trip and you are medically

certified (by the treating registered medical practitioner at the resort or place of

incident), as being unable to play golf for the remainder of your trip, or

2 You have to cancel or curtail your trip for any of the valid reasons listed under

Section C. Cancellation or Curtailment.

1 You must provide written confirmation from a medical practitioner at the resort

or place of incident that such bodily injury or illness prevented you from golfing.

Anything mentioned in the General Exclusions on page 26.

Section N4 – Hole in One

If you shoot a hole-in-one during a golf game we will pay you up to the amount

shown in the Benefit Schedule towards bar expenses.

1 You must provide a certified copy of your score card, signed by you and a

witness and countersigned by the club professional, a dated Golf Club bar receipt

and a dated charge slip for the greens fees.

Section O. – Hijack

WHAT IS COVERED

We will pay you up to the amounts shown in the Benefit Schedule for each 24 hours

you are detained in the event that the aircraft or sea vessel in which you are travelling

as a fare paying passenger is hijacked.

1 Anything mentioned in the General Exclusions on page 26.

Section P. – European Pet Care

If you take for your pet dog or cat with you on a trip to Europe we will pay up to the

amount shown in the Benefit Schedule:

1 for necessary veterinary treatment if your pet is injured or falls ill, and

2 for advertisements to be placed in the locality abroad where your pet was last

seen by you if it is lost during your trip, and

3 if the pet is subsequently found after your return home, travel for one person to

retrieve the pet, and

4 for necessary quarantine boarding in a kennel in the United Kingdom for the

statutory period required, if you are unable to bring your dog or cat with you on

the return journey home because the microchip embedded under the pet’s skin

has become lost or the microchip is present but fails to function correctly.

5 to repatriate your pet dog and/or cat to the United Kingdom if you receive

in-patient hospital treatment which is covered under Section G. Emergency Medical

and Other Expenses and your travelling companions or others are unable to care

for the pet dog and/or cat.

Anything mentioned in General Conditions on page 25.

1 Any claims arising directly or indirectly from any medical condition your pet dog or

2 Any claim when you have not arranged for all necessary inoculations, the insertion

3 Any costs for inoculations, microchips or any medication or preparation that was

4 Any claim where your pet dog and/or cat’s stay does not exceed the pre-booked

period of accommodation.

5 Any claim which formed part of the original pre-booked duration for your pet dog

and/or cat.

6 Anything mentioned in the General Exclusions on page 26.

Worldwide Travel Insurance 43

Section Q. – Scheduled

Airline Failure

Cover is provided for the insolvency of travel arrangements (not forming part of

an inclusive holiday) and not bonded or insured already, booked with a travel or

accommodation provider in the United Kingdom.

Definitions – Applicable to this section

– This cover is provided by International Passenger Protection Limited, IPP House,

22-26 Station Road, West Wickham, Kent BR4 0PR, United Kingdom and is

underwritten by a consortium of Association of British Insurers member Companies

& Lloyds Syndicates.

Travel or accommodation provider

– Scheduled airlines, hotels, car ferries, villas outside of the United Kingdom and

cottages in the United Kingdom, railway journeys including the Eurostar, coach

journeys, cruises not bonded, car hire, caravan sites/campsites/mobile homes,

camper rental, safaris, excursions, Eurotunnel and theme parks such as Disneyland

Paris. Not included are booking agents, tour operators or consolidators.

In the event of insolvency of the travel or accommodation provider the insurer

will pay up to the amount shown in the Benefit Schedule for each insured person

named on the booking invoice for:

1 insolvency prior to departure – irrecoverable sums paid in advance not forming part

of an inclusive holiday, or

2 insolvency after departure:

a) additional pro rata costs incurred by the insured person in replacing that part

of the travel arrangements to a similar standard to that originally booked, or

b) if curtailment of the holiday is unavoidable – the cost of return transportation

to the United Kingdom up to a similar standard of the original booking;

provided that where practicable you have obtained the approval of the insurer

prior to incurring any relevant costs.

44 Worldwide Travel Insurance

1 Travel or accommodation not booked with a travel or accommodation

provider within the United Kingdom prior to departure.

2 The financial failure of:

a) any travel or accommodation provider in Chapter 11 or any threat of

insolvency being known at the date of opening your Privilege or Privilege

Premier current account or booking any trip

b) any travel or accommodation provider who is bonded or insured

elsewhere (even if the bond is insufficient to meet the claim)

c) any travel agent, tour organiser, booking agent or consolidator with whom you

have booked travel or accommodation.

3 Any loss for which a third party is liable or which can be recovered by other

legal means.

4 The insurer will not pay for any losses that are not directly associated with the

incident that caused you to claim. For example, loss due to being unable to reach

your pre-booked hotel following the financial failure of an airline.

Section R. –

Travel Disruption Cover

This cover provides the following cover, specifically for costs and expenses that you

cannot claim back from any other source. You must claim from the carrier/tour

operator in the first instance and provide proof of this. Only receipted costs will

be reimbursed.

Covered events

– flood, earthquake, tsunami, landslide, avalanche, hurricane, storm, tornado, fire

and volcanic activity caused by any naturally occurring event, excluding any event

caused as a direct result of human and/or malicious intervention.

Prepaid charges

– charges you have paid before you travel, or are contracted to pay, for car hire, car

parking at the point of departure, airport accommodation, airport lounge access,

excursions.

Package

– the pre-arranged combination of at least two of the following components when

sold or offered for sale at an inclusive price and when the service covers a period of

more than 24 hours or includes overnight accommodation:

a) transport

b) accommodation

c) excursions

Travel disruption

– the inability of your public transport to depart from the booked port or airport due to

a covered event.

Before you reach your destination

1 If the public transport (port or airport) on which you were booked to travel from

the United Kingdom, including any onward connecting flights, is cancelled or

delayed for at least six hours due to a covered event, we will pay for your costs

incurred in the terminal in respect of restaurant meals, refreshments consumed

and hotel accommodation up to:

a) £20 for the first six hours delay, and

b) £20 for each additional full 12 hours delay, up to a maximum of £200

providing you eventually continue the booked trip. You must have checked in or

attempted to check in according to the carriers’ regulations. Itemised receipts must

be kept as proof of purchase.

2 If due to travel disruption you fail to arrive at the next departure point in time

to board your pre-booked onward connecting public transport and you have

to make alternative arrangements to reach your final destination, we will pay

you up to £1000 for your reasonable additional travel and accommodation costs

(room only) which are of a similar standard to that of your pre-booked travel and

accommodation that you cannot claim back from any other source.

3 If your pre-booked international transport is cancelled by the carrier due to travel

disruption and no alternative is offered, we will pay you up to:

a) £2,000 for your unused travel, accommodation (including excursions up

to £250) and other prepaid charges that you cannot claim back from

any other source if you cannot travel and have to cancel your trip, or

alternatively

b) up to £200 in total per trip for re-booking fees incurred for the identical trip,

if you wish to re-book your trip for a later date.

On the way home

4 We will pay you up to a maximum of £1000 for your reasonable additional travel

and/or accommodation costs (room only, up to a maximum of £200 per night for

five nights) which are of a similar standard to that of your pre-booked travel and

accommodation that you cannot claim back from any other source if you have to

make alternative arrangements to return to your home or stay longer outside of

the United Kingdom as a result of the public transport on which you were

booked to travel to your home area being cancelled or delayed for at least

12 hours, diverted or re-directed after take-off due to a covered event.

Worldwide Travel Insurance 45

5 If the public transport on which you were booked to travel to your home area

including any connecting flights is cancelled or delayed for at least six hours due to

a covered event we will pay for your costs incurred in the terminal in respect of

restaurant meals, refreshments consumed and hotel accommodation up to:

providing you return to your home area on the next available suitable public

transport. You must have checked in or attempted to check in according to the

carriers regulations. Itemised receipts must be kept as proof of purchase

1 If you fail to notify the travel agent, tour operator or provider of transport or

accommodation as soon as you find out it is necessary to cancel the trip the

amount we will pay will be limited to the cancellation charges that would have

applied otherwise.

2 Extra accommodation costs must be for a similar standard of accommodation to

that in which you were originally staying.

3 You must give notice as soon as possible to the Emergency Assistance Service of

any circumstances making it necessary for you to return home and before any

arrangements are made for your repatriation.

4 You must get (at your own expense) written confirmation from the public

transport operator (or their handling agents) of the cancellation, number of hours

of delay or being denied boarding and the reason for these together with details of

any alternative transport offered.

5 You must comply with the terms of contract of the public transport operator

and seek financial compensation, assistance or a refund of your ticket from them

in accordance with such terms and/or (where applicable) your rights under EU Air

Passenger Rights legislation in the event of denied boarding, cancellation or long

delay of flights or equivalent regulations.

6 You must get written confirmation from the public transport operator (or their

handling agents) and/or provider of accommodation that compensation, assistance

or reimbursement of any costs, charges and expenses incurred by you will not be

provided and the reason for this.

46 Worldwide Travel Insurance

7 If the same costs and charges are also covered under any other section of the

Travel Disruption Cover or in any benefit in the policy, you can only claim for these

under one section for the same event.

8 Itemised receipts must be kept as proof of purchase.

9 Anything mentioned in General Conditions on page 25.

1 Any claim under subsections 2., 3. and 4. if your trip was booked as part of a

package holiday.

a) Any insurable event under this section existing or being publicly announced by

the date you purchased this policy or the trip was booked, (whichever is later).

b) An aircraft or sea vessel being withdrawn from service (temporary or otherwise)

on the recommendation of the Civil Aviation Authority, Port Authority or any

similar body in any country not due to a covered event.

c) Denied boarding due to your drug use, alcohol or solvent abuse, or violent or

unruly behaviour of you or anyone with whom you are travelling.

d) Denied boarding due to your inability to provide a valid passport, visa or other

documentation required by the public transport operator or their

handling agents.

3 The cost of Airport Departure Duty.

4 Costs paid for using any airline mileage reward scheme, for example

Air Miles, any Timeshare, Holiday Property Bond or other holiday points scheme.

5 Any costs incurred by you which are recoverable from the providers of the

accommodation (or their administrators) or for which you receive or are expected

to receive compensation or reimbursement.

6 Any costs incurred by you which are recoverable from the public transport

operator or for which you receive or are expected to receive compensation,

damages, refund of tickets, meals, refreshments, accommodation, transfers,

communication facilities or other assistance.

7 Any costs incurred by you which are recoverable from your credit/debit card

8 Any travel and accommodation costs, charges and expenses where the public

transport operator has offered reasonable alternative travel arrangements.

9 Any costs for normal day-to-day living such as food and drink which you would

have expected to pay during your trip.

10 Any claim where the provider of the accommodation and/or the local or national

authorities did not deem it necessary for you to leave your

prepaid accommodation.

11 Any claim for additional costs for persons not insured under this policy.

12 Anything mentioned in the General Exclusions on page 26.

this stage, but if you are not satisfied, you can ask us to record a formal complaint

over the phone or you can write to us if you prefer and our Customer Relations

Manager will arrange for your complaint to be investigated and resolved.

Worldwide Travel Insurance 47

If we have given you our final response and you are still dissatisfied you may refer

your case to the Financial Ombudsman Service (FOS). The FOS is an independent

body that arbitrates on complaints about general insurance products. They will only

consider complaints after we have provided you with written confirmation that our

internal complaints procedure has been exhausted. Referral to the FOS will not affect

your right to take legal action against us.

from the FSCS. Their contact details are Financial Services Compensation Scheme,

48 Worldwide Travel Insurance

Use of Your Personal Data

If your insurance application is accepted you also agree we may:

a) disclose and use information about you and your insurance cover – including

information relating to your medical status and health – to companies within the

AXA group of companies worldwide, our partners, service providers and agents in

order to administer and service your insurance cover, process and collect relevant

payments on it, for fraud prevention and to manage the insurance products which

you have purchased

b) undertake all of the above within and outside the European Union. This includes

processing your information in countries in which data protection laws are not as

comprehensive as in the EU. However, we have taken appropriate steps to ensure

the same (or equivalent) level of protection for your information in other countries

as there is in the European Union, and

c) monitor and/or record your telephone calls in relation to cover to ensure consistent

servicing levels and account operation.

We use advanced technology and well defined employee practices to help ensure that

your information is processed promptly, accurately and completely and in accordance

with applicable data protection law.

If you want to know what information is held about you by the AXA Group, please

write to:

AXA Travel Insurance

Data Protection Officer

The Quadrangle

106-118 Station Road

REDHILL, RH1 1PR

There may be a charge for this service, as permitted by law. Any information which is

found to be incorrect will be corrected promptly.

Please read the appropriate section in the Policy booklet to see exactly what is, and is

not covered, noting particularly any conditions, limitations and exclusions.

office hours, Monday-Friday 9:00-17:00) to obtain a claim form. You will need

Alternatively you can email our Claims Helpline at [email protected]

We ask that you notify us within 28 days of you becoming aware of an incident or

loss leading to a claim and you return your completed claim form and any additional

information to us as soon as possible.

check the section under which you are claiming for any specific conditions and details

of any supporting evidence that you must give us.

You should always keep copies of all the documents that you send to us.

Worldwide Travel Insurance 49

50 Worldwide Travel Insurance

Worldwide Travel Insurance 51

Current accounts

Accounts for children

Student accounts

Savings & investments

Credit cards

Loans

Mortgages

Car & home insurance

Life assurance

Ethics as standard

Membership

Please call 08457 212 212 if you would like to receive this information in an alternative format

such as large print, audio or Braille.

To hold a Privilege or Privilege Premier current account you must be 18 or over and a UK resident. The terms and exclusions applicable to any of the account benefits are set out in this

Welcome guide. Savings account: If you convert your account back to either a Privilege or current account, a lower rate of interest will be paid on the Savings account linked to your

current account. Policy and supplier terms and exclusions apply. Financial information correct at time of going to print 08/12.

Credit facilities are provided by The Co-operative Bank p.l.c. and are subject to status. The bank reserves the right to decline any application. The subscription fee for the Privilege current

account is £9.50 debited from the account on the first working day of each month. The subscription fee for the Privilege Premier current account is £13.00 debited from the account on the

first working day of each month.

The Co-operative Bank is authorised and regulated by the Financial Services Authority (No. 121885), subscribes to the Lending Code and the Financial Ombudsman Service

and is licensed by the Office of Fair Trading (No. 006110). The Co-operative Bank p.l.c., P.O. Box 101, 1 Balloon Street, Manchester M60 4EP. Registered in England and Wales No. 990937.

Calls may be monitored or recorded for security and training purposes. For BT Unlimited Weekend Plan customers, calls to 0844 numbers cost 10.9p plus up to 5p per minute. Mobile and

other providers’ charges may vary.

MKT10792_WEB 08/2012

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Policy Documentation
Frequently Asked Questions
0343 658 0325

Travel Insurance

Great value travel insurance from your co-op travel.

We have worked hard to ensure that Your Co-op Travel Insurance offers the cover you require at the right price, so all you have to think about is what to pack!

Important information relating to COVID-19 - Click here to find out more

Privacy Policy

We respect your right to privacy. This privacy policy will help you understand how we collect, use and store your data and the actions we take to protect it. You should show this notice to anyone else included on your policy. Please read this Privacy Policy carefully.

This Privacy Policy should be read alongside and in addition to the Cookies Policy and your Policy Wording (where applicable). If you have any feedback or questions on this policy then please contact us at [email protected] .

For your information we have included details of who we can speak to regarding your insurance policy. You should make sure you allocate an appropriate person as the Policyholder during your purchase:

All callers must pass Data Protection on the Policyholder before discussing the policy.

*Can only make changes related to their card

**Authorised person must be listed on the policy by the Policyholder

For information about how we intend to safeguard your data please see the information below.

What information we collect
When we collect your data
How we use your data
Who has access to your data
Legal basis for using your information
Retaining your information
Security of your information
Your legal rights
Related notices and terms
Changes to this policy

1. About Us

Your Co-op Travel Insurance is arranged and administered by ROCK Insurance Group. ROCK Insurance Group is a trading style of Rock Insurance Services Limited (ROCK) who is authorised and regulated by the Financial Conduct Authority (FCA No. 300317).

References to “our Website” or “the Website” are to https://cooptravelinsurance.coop/

ROCK acts as Data Controller, which means that we determine the way in which your data is used (as described in this privacy notice).

2. What information we collect

We collect personal data and special category data as part of providing services to you. We may also monitor or record calls, emails, SMS messages or other communications in accordance with UK law.

Types of Data we collect

Personal Data :

Name including first name and surnames of all persons named on the policy
Location information including address and telephone information
Identifiable numbers including credit/debit card details
Online identifiers including IP address, email and social media

Special Category/Sensitive Data:

Medical information such as medical condition, treatment, history
Information about children

We will also assign you a policy number and/or medical endorsement number which we will record alongside your other personal details.

If you provide us with details relating to other individuals, please ensure that you have those individuals’ consent to provide their personal data (including medical data). It is your responsibility to make them aware that we will use those details for the purposes of the relevant insurance policy or services. Please direct them to this privacy notice if they require more information.

Some information is necessary in order to provide you with the service you expect, if you do not provide us with the requested information, we may not be able to offer you the applicable insurance policy.

3. When we collect your data

We will collect your personal data when:

You ask for a quote
You make enquiries through a price comparison website
You purchase our products and services or those provided by our service partners
You make general enquiries
You register for information or other services
You respond to communications or surveys
You make a complaint
You need to make a claim or ask for assistance

If your data is not collected on a website that is part of ROCK insurance Group, it will be passed to us by the retailer or price comparison website so that we can administer your policy

4. How we use your data

To provide you with a quote
Completing your purchase including taking payment, providing payment confirmation and sending you your certificate of insurance
Carrying out any amendments to your policy at your request including cancelling, providing a refund (where permitted), referring to an underwriter, answering queries or handling a complaint
Verifying your identity when required including validating the policy for a claim or assistance
To offer a renewal of an annual policy
Assessing sales performance and providing sales and claims management information to Your Co-op Travel and the Insurer
Making sure that we are safeguarding your interests through quality assessments, training and competency, customer surveys and staff feedback
Engaging with you in relation to your existing quote and/or policy, it’s expiry and requesting you to provide feedback on your experiences
Keeping you informed of the latest offers and products from ROCK Insurance Group and Staysure

5. Who has access to your data

ROCK uses a number or third parties to provide and administer your insurance. This includes:

The Insurer, Underwriter, Underwriting Agent, Claims and Assistance Handlers in order to administer your policy. See your policy wording for their details.
FireMelon Limited for the provision of some technology services.
Pay360 and Paysafe for payment services.
Trustpilot and Claims Rated for customer reviews.
Pure360 for sending emails.
If you selected the Free Travel Money offer from WeSwap, ROCK insurance will pass your personal data to WeSwap for them to fulfil this offer.
Google Analytics and AB Tasty for tracking website use.
Aptean Limited who provide the complaint handling system.
Mitel Networks Limited who provide the telephony and call recording.
Legal Authorities such as the Financial Conduct Authority, Financial Ombudsman Service, Information Commissioners Officer, Department of Social Security and HM Revenue and Customs on request.
Your Co-op Travel Insurance

It is our aim to use only providers who will ensure your data is processed in the UK or European Union (EU) to provide a high standard of data protection. However we accept that we work in a global environment and cannot completely limit the transfer of data. Where data is transferred outside the UK or EU we require it to be protected according to the applicable laws.

6. Legal basis for use of your information

We must make sure that there is an appropriate lawful reason for us to process your data. These legal bases are set out in data protection law and we rely on a number of different conditions for the activities we carry out.

Necessary for the performance of contract :

Providing a quote
Completing a purchase and providing payment confirmation and a certificate of insurance
Taking payment (card or direct debit)
Amending your policy
Answering a query about a policy
Cancelling a policy and providing a refund if applicable
Handling complaints
Referring cover outside terms and conditions to the insurer
Validating a policy for a claim or assistance
Offering a renewal and advising your annual policy has ended
Processing sales obtained by an API
Sending policy information to insurer
Premium reconciliation
Contacting you if there is an issue with your policy

We have a legal obligation to:

Quality assessments including staff feedback
Managing training & competency of our staff including feedback
Assessing sales indicators
Including policy information in reports

Necessary in our legitimate interests or those of a third party:

Providing sales and claims management information to Your Co-op Travel and the underwriter
Sending backing data for commission statements
Communicating about your policy
Conducting customer surveys through review sites

Where we process your data using your consent :

7. Retaining your information

Your personal data shall be retained as long as needed for the authorised purposes listed in section 4. This includes retention of some personal data following the end of our relationship with you, for example to resolve any potential disputes and for ongoing or prospective legal proceedings, to maintain records of our services, and otherwise to comply with our legal obligations and to defend our legal rights. We keep any data used to create a quote for 14 days . If you purchase a policy from us all policy data is kept for 7 years from its end/expiry or cancellation. All other correspondence and voice recordings will be retained for 8 years .

Please contact us at [email protected] if you need further information about our retention periods.

8. Security of your information

We regularly review the technical and organisational security measures we have in place on our information and communications systems in order to prevent the loss, misuse or unauthorised alteration of your personal information. We also use industry standard security to encrypt sensitive data in transit to our servers.

Communications sent through our website, email or social media, rely on the internet which is a publicly hosted network and is therefore not secure unless the site has been encrypted. ROCK cannot accept responsibility for any unauthorised access or loss of personal information that is beyond our control.

ROCK has deployed an adequate procedure to identify and communicate any incident of data breach within a delay of 24 hours and to resolve it within a reasonable delay.

Further information about security measures we apply to communications sent by email or over our website is available on request.

9. Your Legal Rights

You have the following Individual Rights:

10. Related notices and terms

11. changes to this policy.

This privacy policy was last updated on 10/09/2024 13:02:21. We reserve the right to make changes to this policy and you will be prompted of any changes when you next visit our website.

From time to time we may need to change the way we use your personal data. Where we believe you may not reasonably expect such a change we will write to you. When we do so, you will have 60 days to object to the change.

Get In Touch

Branch Finder

Your Co-op Travel Insurance is a trading style of the Midcounties Co-operative Limited. The Midcounties Co-operative Limited is an Appointed Representative of Rock Insurance Services Limited who are authorised and regulated by the Financial Conduct Authority (FCA No. 300317).

Inter Partner Assistance S.A. UK Branch is a Branch of Inter Partner Assistance S.A. (Financial Conduct Authority registration number 202664), which is a Belgian firm authorised by the National Bank of Belgium under number 0487, with a registered head office at 7 Boulevard du Régent, 1000 Brussels. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website. Inter Partner Assistance S.A. is registered in England with its registered address at 106-118 Station Road, Redhill, RH1 1PR (UK branch registration number: BR000947). Inter Partner Assistance S.A. has a share capital of EUR 130,702,613.

IMAGES

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Fillable Online TRAVEL INSURANCE POLICY WORDING
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Travel Insurance Policy-Wording VN
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COMMENTS

Travel insurance policy documents
Travel insurance policy documents . If you need more information, this is where you'll find it. ... Co-op Insurance Services is a trading name of Co-op Insurance Services Limited, part of the Co-op Group. Registered in England and Wales, with society registration number RS004390. Registered office: 1 Angel Square, Manchester, Lancashire, M60 0AG.
Policy Documentation
If you purchased travel insurance on or after 28th June 2022: Travel Insurance Terms of Business. Travel Insurance Policy Wording. Economy Travel Insurance Product Information Document. Premier Travel Insurance Product Information Document. Super Travel Insurance Product Information Document.
PDF Worldwide Travel Insurance
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Single Trip Insurance
For a full list of activities covered under this policy please refer to the Policy Wording. Your Coop Single Trip Travel Insurance will provide you with comprehensive cover and you'll be able to remember your fantastic holiday for all the right reasons! ... Your Co-op Travel Insurance is a trading style of the Midcounties Co-operative Limited ...
PDF Travel Insurance
Co-op travel insurance policy will provide cover under: - Section 1, if you need to cancel your trip because you, an immediate relative or member of your travelling party are: • medically diagnosed with Coronavirus within 14-days of your planned departure date following completion and analysis of a UK Government approved test, as certified
Annual Travel Insurance
Your Co-Op Travel annual travel insurance includes: Cancellation and Curtailment (Up to £5,000) Medical Expenses (Up to £5,000,000) ... For a full list of activities covered under this policy please refer to the Policy Wording. Make sure you are covered for the whole year now!
PDF Privilege and Privilege Premier current accounts
Worldwide Travel Insurance 5 Worldwide Travel Insurance Demands and Needs This product meets the demands and needs of those under 80 years of age travelling abroad in respect of medical and other similar expenses throughout the duration of the policy. The Co-operative Bank p.l.c. is not providing you with a personal recommendation based
PDF Travel Insurance
Thank you for choosing Co-op Travel Insurance. We believe everyone deserves the right to travel and for that reason we have developed this travel insurance ... Throughout the policy wording, your attention is drawn to important information by the following icon. 3. Contents Introduction 5 Important information 6-9
Help
3. you know you will need medical treatment during your journey; 4. one of the purposes of your journey is to obtain medical treatment; 5. you are travelling against the advice of a medical practitioner; 7. you have been placed on a waiting list that could cause you to cancel or curtail your trip.
Travel Insurance
Travel Insurance | Single, Multi Trip & Annual Holiday Cover
Travel Insurance Policy Documentation
Travel Insurance Policy Documentation. Travel Insurance from The Personal Travel Agents is provided by The Co-operative Travel Insurance and ROCK Insurance. Download the current Policy Wording for our travel insurance: If you purchased your travel insurance on or after 27th June 2022: If you purchased your travel insurance between 23rd April ...
Co-operative Travel Insurance
Your Co-op Travel Insurance provides cover for: Cancellation and Curtailment (Up to £5,000) Medical Expenses (Up to £5,000,000) ... Please refer to the Policy Wording to see a full list of the activities you would be covered for. So what are you waiting for, take out a travel insurance policy now and know you can really enjoy your holiday!
PDF Travel Insurance A Insurance Product Information Document
ead Office:EmeraldBuildings,WestmereDrive,Crewe. CW1 6UN.This Insurance Product Information Documentis intendedto provide a. ummary of the main coverage and exclusionsof your policy. It is no. personalisedto your specific individualneeds in any way. Completepre-contractualand cont. actualinformation is providedin.
Single Trip Travel Insurance Quotes and Cover
Members save more with 5% off travel insurance. Become a Co-op Member when buying Co-op Travel Insurance to get: access to our Member Prices; exclusive offers, discounts and events from Co-op; your choice of a local cause to support; your say in how our Co‑op is run; £1 of your first insurance payment will pay for your membership.
Wordings
Policy Purchase/Renewal Date. Changes/Updates. April 14, 2022 or later — Policy Wording. Coverage still includes $1,000,000 or $10,000,000 in coverage for COVID-19 emergency medical coverage, depending on your vaccine status and eligibility*, however booster (s) are no longer required for you to be considered fully vaccinated. February 18 ...
Co-op travel insurance existing customer page
Travel insurance is promoted by Co‑op Insurance Services and arranged by IES Limited and administered by Insure and Go Insurance Services. Calls are charged at local rates from landline and mobiles. If your phone has inclusive minutes these calls are normally included. Applicants for insurance are subject to normal underwriting criteria.
PDF Credit Card Plus
conditions of your insurance - these are located in your policy wording. If, after having read the policy summary and policy wording, you decide that the policy is not suitable for your needs, e.g. you are aged 80 and above, then you may be able to source alternative travel insurance by contacting the British Insurance
Worldwide Travel Insurance
located in your policy wording. If, after having read the policy summary and policy wording, you decide that the policy is not suitable for your needs, e.g. you are aged 80 and above then you may be able to source alternative travel insurance by
Frequently asked questions
Please check your policy wording for a full list of winter sports activities that are covered if you have paid the additional Winter Sports premium. ... Your Co-op Travel Insurance is a trading style of the Midcounties Co-operative Limited. The Midcounties Co-operative Limited is an Appointed Representative of Rock Insurance Services Limited ...
Co-op Travel Insurance complaints contact details and process
You'll usually have 6 months from the date of our Summary Resolution, Final Response, or 8 week letter in which to contact them. You can find out more about the FOS and their services using the details below: Website - financial-ombudsman.org.uk. Phone - 0800 023 4567. Information about who to contact if you want to make a complaint about Co ...
Wedding Cover
For a full breakdown of the cover available please refer to the Policy Wording. Your Co-op Travel Wedding cover includes: Cancellation and Curtailment (Up to £5,000) Medical Expenses (Up to £5,000,000) ... Your Co-op Travel Insurance is a trading style of the Midcounties Co-operative Limited. The Midcounties Co-operative Limited is an ...
Privacy Policy
Terms relating to your insurance policy (where relevant) are provided separately by us and can be found in your Policy Wording. 11. Changes to this policy. ... Your Co-op Travel Insurance is a trading style of the Midcounties Co-operative Limited. The Midcounties Co-operative Limited is an Appointed Representative of Rock Insurance Services ...
Bank accounts with travel insurance
The Co-operative Bank's Everyday Extra account includes winter sports cover, as well as cover for personal accidents and emergency medical expenses. Plus, there's no excess to pay on travel insurance claims. Find out more about our Everyday Extra packaged bank account and apply today or view all our bank accounts here.