Summary of Insurance

The following is a summary of the cover provided. A full policy document will be sent on receipt of the correct premium. If any participant is not fully satisfied the policy can be returned within 7 days and a full refund will be given.

Section A. Medical Expensive

1. Medical, Repatriation and Associated Expenses.
Sum Insured £5,000,000 Should an insured person suffer accidental bodily injury or illness (including compulsory quarantine) or be hi-jacked during the Period of Insurance, the Insurer will indemnify:
i) normal and necessary receipted expenses of medical or surgical treatment incurred overseas including, emergency dental treatment to relieve pain and suffering (limited to £250), specialists or ophthalmic fees, hospital, nursing home and nursing attendance charges, physiotherapy, massage and manipulative treatment, surgical and medical requisites. Decompression chambers, ambulance/necessary transport charges (including air ambulance charges if necessary on medical grounds and authorised by the Insurer or their Agents).
The Insurer reserves the right to repatriate the insured person to their country of residence when in the opinion of the doctor in attendance and their medical advisers the insured person is fit to travel.

2. Additional Hospital Benefit.
Sum Insured £200.
In addition to the costs referred to above, the Insurer will also pay the sum of £10 compensation for each complete day, up to a maximum of £200, that the insured person is confined to hospital outside their normal country of residence.

3. Criminal Injuries.
Sum Insured £5,000.
Should an insured person be admitted to hospital as an in-patient as a result of receiving Criminal Injuries following a personal assault verified by a written report that substantiates the injuries resulted from an unprovoked personal assault, the Hospital Benefit payable under Section A2 above is increased to £100 per complete day, up to a maximum of £5,000, that the insured person is confined to hospital outside of their normal country of residence.

4. Personal Liability.
Sum Insured £2,000,000
The Insurer will indemnify the insured person to the Sum Insured against all costs the insured becomes legally liable to pay as damages together with claimant's costs in respect of:-
(i) Accidental bodily injury to or death or illness of any insured person
(ii) Accidental loss of or damage to material property, occurring during the Period of Insurance. The Insurer will in addition pay all costs and expenses incurred with its written consent.

Section B. Personal Accident.

Sum Insured: up to £25,000
In the event of the insured person sustaining bodily injury arising wholly and exclusively from violent accidental external and visible means which injury shall solely and independently of any other cause result in his/her death or disablement within twelve calendar months of the injury, the Insurer hereby agrees to pay to the insured person or in the event of death to his/her legal personal representative the following Sum Insured.

1. Death, or. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . £10,000
2. Loss of eye (s) or . . . . . . . . . . . . . . . . . . . . . . . . . . . £25,000
3. Loss of one or two limbs, or. . . . . . . . . . . . . . . . . . . . . £25,000
4. Permanent total disablement. . . . . . . . . . . . . . . . . . . £25,000

Section C. Cancellation or Curtailment.

Sum Insured: £5,000
Should an insured person necessarily have to cancel the projected journey before commencement or curtail it before completion, as a result of:

i) the death, accidental bodily injury, illness, compulsory quarantine, redundancy that qualifies for payment under current redundancy legislation, cancellation of leave for British forces, Police or government security staff, summoning to jury service or witness attendance in a court of an insured person or insured travelling companion.

ii) the death, serious injury or illness of a close relative, or the person with whom the insured person intends to reside at the holiday or journey destination, or dependant business partner of the insured person or insured travelling companion which necessitates the presence of the person concerned.

iii) Hi-jack.

iv) adverse weather conditions making it impossible for an insured person to travel to point of departure at commencement of outward journey.

v) major damage or burglary at the insured person's home or place of business which at the request of an emergency service requires their presence. The Insurer will pay:
a) for Cancellation prior to departure any Irrecoverable Payments and Charges (whether paid or contracted to be paid) for travel, accommodation, tours or excursions up to the Sum Insured, for any of the above reasons.
b) for Curtailment after departure any reasonable extra payments which have to be made for travel and accommodation and a proportionate refund of inclusive tour costs, or alternatively the original value of unused air tickets up to the Sum Insured, for any of the above reasons.

NOTE: Where an insured person is not travelling on a pre-paid or fixed itinerary then additional travelling expenses shall be deemed to be those costs in excess of normal tourist class air fares. Where return to a person's country of residence is necessary in an emergency situation an insured person should contact Specialty Assistance who may be able to assist in having existing air tickets amended.

Section D. Travel Delay.

1.Delayed Departure or Arrival
The Insurer will pay each insured person up to the limits shown below if the departure of the aircraft, train or sea vessel in which the insured person has arranged to travel is delayed for at least 12 hours from the departure time specified in the travel itinerary, or if the arrival of the aircraft, train or sea vessel at destination is at least 12 hours later than the time specified in the travel itinerary, due to Strike, Industrial Action, disruption, Terrorism, adverse weather conditions, or mechanical breakdown or derangement of the aircraft, train or sea vessel.

The Limits
The Insurers liability under this Section is limited to either:

a) £25 for the first complete 12 hour period of delay commencing from the original booked departure time or arrival time specified in the travel itinerary and £12.50 for each subsequent 12 hour period of delay, up to a maximum of £100 each insured person, or
b) if the insured person elects to cancel the whole travel itinerary prior to departure. Irrecoverable Payments and Charges made for the travel, accommodation and other costs up to a maximum of £1,000 each insured person.

2. Hi-Jack of Aircraft The Insurer will pay compensation of £100 per complete day that the insured person is in detention due to unlawful seizure or wrongful exercise of control of an aircraft or the crew thereof, in which the insured person is travelling as a passenger, up to a maximum of £3,000.

3. Failure of Inter-continental Flight Connections in Europe The Insurer will pay compensation of £25 per complete day, up to a maximum of £150, that an insured person has to spend in Europe awaiting an alternative onward flight if the original pre-booked flight connection is missed due to delay of the initial flight from the UK caused by circumstances beyond the control of the insured person. NOTE: Only applicable to travel commencing from the UK where travel has been arranged in accordance with the minimum connecting flight times as published in the Official Airline Guide.

4. Failure of Transport Connections in the UK If the insured person arrives at the point of international departure in the UK too late to commence the booked travel as the result of failure of scheduled public transport services in the UK due to inclement weather, Strike, Industrial Action, Terrorism or mechanical breakdown, or as a result of an accident to the motor vehicle in which the insured person is travelling to the point of departure, the Insurer will pay up to £300 for additional travel and accommodation only expenses necessarily incurred by the insured person in order to reach the

Section E. Personal Effects

Indemnity for Loss, Theft or Damage to:-

1. Accompanied Personal Luggage, clothing or Effects belonging to the insured person. Sum Insured £2,000 Claims are settled on an INDEMNITY basis taking account of age, wear and tear

2. Personal Monies. Sum Insured: £500. Cash, Bank or Currency notes, including reasonable expenses incurred as a result of loss, theft or damage.

3. Tickets. Sum Insured: £1,000. Air or other tickets including reasonable expenses incurred as a result of loss, theft or damage.

4. Passport or Visas. Sum insured: £250. In respect of the cost of an emergency replacement or temporary passport or visa obtained whilst abroad including reasonable and receipted expenses incurred to obtain the same.

NOTE IN RESPECT OF CASH Cover will be effective from time of collection from bank or travel agent, or for 3 days before commencement of journey, or from date of commencement of this Insurance, whichever is the latter.

Section F. Legal Expenses

Sum Insured up to £15,000
The Insurer will pay for legal costs and expenses, or the appointment of a claims agent in order to pursue compensation and/or damages against a third party arising from or out of personal injury to or death of the insured person occurring during the Period of Insurance.
The Insurer shall have complete control over the legal proceedings and the appointment and control of a solicitor or claims agent.

LEGAL HELP-LINEIf an insured person suffers a personal injury and wishes to claim against the person who caused it they may telephone Towergate Chase Parkinson on 01932 334196 for guidance.

Policy excesses
Each claim is subject to a £50 excess except delayed departure, temporary lost baggage, loss of deposit, travel restriction, personal accident and public liability claims. Legal expenses are subject to an excess of £250.

Conditions, exclusions and warranties
These will apply to individual sections of your policy

Your policy cover excludes any pre-existing medical condition. If in doubt please call the medical helpline, in confidence, on 0870 906 3140. Please read the policy carefully.

Property claims
These are based on the price of the property at the time of loss and not 'new for old'.

Policy limits
Most sections of your policy will have limits on the amount the insurer will pay under that section.

Reasonable care
You must take all reasonable care to protect yourself and your property, as you would if you were not insured.


Taj Mahal Marathon
20th – 25th September 2007

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