ERV Private Travel Insurance

Annual multi trip and single trip insurance

Purpose of the insurance This is a travel insurance policy that, subject to the terms, conditions and exclusions contained in the policy wording, provides certain financial protection and medical assistance for your trip(s). This policy will have been sold to you on a non-advised basis and it is therefore for you to read this information (paying particular attention to the terms and exclusions) and ensure that it meets all of your requirements. You may already possess alternative insurance(s) for some or all features and benefits provided by this product; it is your responsibility to investigate this. If upon reading this policy you find it does not meet all of your requirements, please refer to the relevant cooling off / policy cancellation section. Period of Insurance The policy you have purchased will run for the period of insurance shown on your Policy Schedule. Your right to cancel this policy We hope you are happy with the cover this policy provides. However, if after reading the policy this insurance does not meet with your requirements, please return it to us within 14 (fourteen) days of issue and we will refund your premium. If your policy is an annual multi-trip policy, we shall not be bound to accept renewal of any Insurance and may at any time cancel any insurance document by sending 14 days notice to you at your last known address. Provided the premium has been paid in full you will be entitled to a premium refund proportionate to the un-expired period of Insurance. How to make a claim If you need to make a claim, please download a claim form from our website www.erv.co.uk/claims or request one from the claims service detailed on the Travel Insurance Policy . Claims should be made no later than 30 days after the event. If you require emergency in-patient medical treatment and / or repatriation assistance or need to curtail your trip whilst abroad you must contact the 24 Hour Assistance Service detailed on the Travel Insurance Policy for prior authorisation. If you fail to do so we may not pay your claim.

About the insurer Welcome to ERV Travel Insurance which is underwritten by ERV trading as ETI - International Travel Protection, the United Kingdom branch of Europische Reiseversicherung (ERV) A.G., an Ergo Group Company incorporated and regulated under the laws of Germany, Companies House Registration FC 25660 and Branch Registration BR 007939. ERV is authorised by the Bundesanstalt fr Finanzdienstleistungsaufsicht (BAFIN - www.bafin.de) and subject to limited regulation by the Financial Services Authority (FSA - www.fsa.gov.uk). Details of the extent of our regulation by the FSA are available from us on request. Our FSA registration number is 220041. We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and circumstances of the claim. Most insurance contracts are covered for 100% of the first 2,000 and 90% of the remainder of the claim. Further information is available from the Financial Services Authority or the FSCS at www.fscs.org.uk or on 020 7892 7300. You can check the above details on the Financial Services Authority Register by visiting the FSA website: www.fsa.gov.uk/ register or by contacting the FSA on 0845 606 1234. How to complain If, for any reason you have any cause for complaint regarding this insurance please contact ERV. If your complaint is regarding a claim, in the first instance write to The Claims Manager at the claims service detailed on the Travel Insurance Policy. If your complaint is not resolved to your satisfaction or if your complaint is not regarding a claim, you should write to the Managing Director ERV, Albany House, 14 Bishopric, Horsham RH12 1QN. Please always give details of the policy and complaint, together with the claims reference number. We will review your case and reply to you in writing. If you are still not satisfied you can contact the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. The complaints procedure above does not affect any legal rights you may have to take action against us. Please note that the Ombudsman will not normally review your case until such time as we have made our final decision. Please give us the opportunity to handle your complaint before referring things to the Ombudsman. Your policy summary Some important facts about your insurance are summarised below. This summary does not describe all the terms and conditions of your policy, so please take time to read the policy document to make sure you understand the cover it provides. This Policy Summary does not form part of the contract between us.

Insurance provider ERV Travel Insurance is underwritten and insured by ERV, trading as ETI International Travel Protection. Significant product features, benefits and exclusions The levels of cover and excesses that apply are set out in the Schedule of Benefits on the Policy. Certain Sections of your Policy carry an excess which means that you have to pay the first sum per person, per incident if you claim. The excess amount varies according to the Section you are claiming under. The table below sets out the significant benefits and exclusions of your Policy. The policy includes many other benefits, conditions and exclusions. Excesses You and each person named on your Policy Schedule will be responsible for the first part of a claim made under certain sections of this insurance (shown in the table above) this is known as the Excess. Cancellation right Cooling off period We hope you are happy with the cover this policy provides. However, you have the right to cancel it within 14 days of receiving the policy provided you have not travelled or have made or intend to make a claim. See the policy wording under the section headed How to cancel your policy. Reciprocal health agreements If you are travelling to a European Union country you are strongly advised to obtain a European Health Insurance Card; apply online at ehic.org.uk. This will entitle you to benefit from the reciprocal health agreements which exist between EU countries. If you require medical treatment in Australia or New Zealand reciprocal arrangements may also apply. Changes in health after issue of the policy You must tell us if your state of health, or that of anyone on whose health your trip may depend, changes before you start an insured trip, i.e. if you or they develop a new condition or an existing condition worsens. If you do not tell us about a change in your or their medical condition we have the right to amend, restrict or cancel your cover under this Policy. Please contact ERV Medical Health Requirement Helpline during normal office hours, Monday to Friday, 09.00-17.00. Tel. +44 (0) 1403 788974 PLEASE READ YOUR POLICY WORDING TO MAKE SURE THAT THE COVER IS SUITABLE FOR YOU. Please refer to the Policy Schedule for the limits and excess applicable to each section. The Policy Wording sets out full details of the cover provided and is available for inspection, to download or to print from our website www.erv.co.uk prior to purchasing this insurance.

Cover limits and applicable excesses

Express Lite Section Cover Emergency medical and repatriation expenses - Hospital confinement benefit - Additional transport and accommodation expenses in the United Kingdom - Funeral expenses - Emergency dental treatment Personal accident - Death (aged 18 64) - Death (under 18 or over 64) - Loss of limb(s) or sight or permanent total disablement (aged 18-64) - Loss of limb(s) or sight or permanent total disablement (under 18 or over 64) Withdrawal of services Provision of screened blood Cancellation Curtailment Travel delay and disruption - Delay - Abandonment after 24 hours - Disruption Personal effects/possessions - Single item limit - Spectacles or sunglasses - Valuables limit - Personal money - Cash Luggage delay Personal liability - Property damage - Bodily injury Hijack, kidnap and mugging Sum insured 10,000,000 N/A 1,000 1,000 200 Excess 50 N/A 50 50 50 Express Essential Sum insured 10,000,000 N/A 1,000 1,000 200 Excess Nil N/A Nil Nil Nil Express Premier Sum insured 10,000,000 25 per 24hrs (max 100) 1,000 1,000 300 Excess 50 Nil 50 50 50

5,000 1,000 10,000 N/A N/A 5,000 1,000 1,000

Nil Nil Nil N/A N/A Nil 50 50

5,000 1,000 10,000 N/A N/A 5,000 1,000 1,000

Nil Nil Nil N/A N/A Nil 50 50

7,500 1,500 15,000 N/A 25 per 24 hrs (max 200) 5,000 2,000 2,000

Nil Nil Nil N/A Nil Nil 50 50

3 4 5 6

N/A N/A N/A 750 100 75 100 200 100 N/A

N/A N/A N/A

N/A N/A N/A 750 100 75 100 200 100 N/A

N/A N/A N/A

20 per 12 hrs (max 200) 2,000 500 1,000 150 75 150 300 150 50 per 24 hrs (max 100)

Nil 50 Nil

50

Nil

50

N/A

N/A

Nil

10

100,000 2,000,000 N/A

250 250 N/A

100,000 2,000,000 N/A

Nil Nil N/A

100,000 2,000,000 50 per 24 hrs (max 250)

250 250 Nil

11

12 13

Catastrophe Legal costs and expenses

N/A 25,000

N/A Nil

N/A 25,000

N/A Nil

1,000 25,000

Nil Nil

The Significant Conditions and Exclusions (words in bold are defined in the policy wording) This policy will not pay for any cancellation, curtailment or medical claims arising from pre-existing medical conditions in respect of any person insured on this policy. 1. You are not covered (for the relevant condition) for claims directly or indirectly resulting from you or anyone on whose health your trip may depend, having suffered from, or been treated for, or diagnosed with, any of the following medical conditions: a. a cardiovascular or heart related condition e.g. heart attack, angina, chest pain, hypertension, and the like; b. a lung or respiratory related condition (not including asthma, when it is controlled and you have no other medical condition); c. a cerebovascular condition, e.g. Stroke, T.I.A transient ischaemic attack) d. any form of cancer; e. a psychiatric or psychological condition; f. an organ transplant or dialysis g. a terminal condition. 2. You will not be covered for any claim arising from a medical condition of someone you were going to stay with, a relative, a business associate, a travelling companion, or anyone on whose health your trip may depend if you were aware of the medical condition at the time your policy was issued. 3. You will not be covered if you have a medical condition, if you are travelling against medical advice or for which medical advice should have been sought before commencing your journey. 4. You will not be covered if you know you will need medical treatment during your journey or you are travelling specifically to get medical treatment. 5. You will not be covered if you have a medical condition for which treatment is awaited as a hospital in-patient or for which diagnostic tests are pending.

Medical Conditions existing prior to purchasing this policy

Age Limits

This insurance does not extend to any person aged 75 or over at the start of the policy period. For single trip policies the maximum duration of cover available is 92 days. For Annual multi-trip policies the maximum duration of any one trip is 31 days. This insurance is only valid and available to you if you are normally resident in the United Kingdom: England, Scotland, Wales and Northern Ireland. You are not covered for taking part in any Hazardous Pursuit unless it is listed in the policy wording. Please note that under the Personal Liability section you will not be covered for liability caused directly or indirectly by your owning or using firearms or weapons, animal, aircraft, motorized vehicle, boat and other watercraft, or any other form of motorized leisure equipment, including jet skis and snowmobiles. If you purchase optional Winter Sports cover you are covered when participating in certain, but not all, winter sports. Please refer to your Policy Schedule and the Policy Wording. You are not covered for any consequences of Cyber-terrorism including but not limited to the delay or cancellation of flights due to the failure of critical systems. You are not covered for the delay or cancellation of flights on the order or recommendation of any civil authority, or at the initiative of the airline, due to atmospheric volcanic ash. You are not covered if you are travelling to or through a country or territory against the advice of the Foreign and Commonwealth Office. See: www.fco.gov.uk The law applicable to the part of the United Kingdom in which you reside governs your policy

Maximum trip duration

Eligibility / Country of residence

Hazardous Sports & Activities

Cyber-terrorism

Volcanic ash

War risks and civil hazards

Law & Jurisdiction

ETI International Travel Protection, the UK branch of Europische Reiseversicherung AG (ERV), registered at Companies House FC 25660, BR 007939. ERV is authorised by the Bundesanstalt fr Finanzdienstleistungsaufsicht (BAFIN www.bafin.de) and subject to limited regulation by the Financial Services Authority. Details of the extent of our regulation by the FSA are available from us on request. Our FSA registration number is 220041. ERV UK MSM KFD 02 01.01.2013