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| Your demands
and needs statement and Key Facts summary are
at the foot of this page (click here) |
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| Part I Policy Definitions |
| This part of the Policy lists definitions applicable to
the Policy. |
| Accidental Bodily Injury |
| Bodily injury caused by: |
| (a) |
accidental violent external and visible means |
| (b) |
unavoidable exposure to the elements. |
| Close Relative |
| Spouse, common law spouse, mother, father, son, daughter,
brother, sister, grandparent, mother-in-law, father-in-law, son-in-law,
daughter-in-law, brother-in-law or sister-in-law. |
| Contamination |
| Contamination or poisoning of people by nuclear and/or
chemical and/or biological substances that cause illness and/or disablement
and/or Death. |
| Holiday |
| The Insured's and Insured
Persons' holiday for the duration
of the period shown in the schedule. |
| Insured |
| The insured named and shown in the schedule. |
| Insured Person |
| Those persons specified in
the Schedule as being Insured Persons who are ordinarily resident in the
United Kingdom, Channel Islands and Isle of Man |
| Insurer |
| Allianz Insurance
plc |
| Period of Insurance |
| The period of insurance shown in the schedule being the
period during which this Policy remains valid. |
| Terrorism |
| An act of Terrorism means 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 government(s) committed for political, religious,
ideological, ethnic or similar purposes or reasons including the intention
to influence any government and/or to put the public or any section of
the public in fear. |
| Transport and Accommodation Costs |
| Transport costs to or from the Holiday location if arranged
by the accommodation provider or letting or booking agency and the total
costs of the Holiday paid to the accommodation provider for the Holiday specified in the schedule. |
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| Part 2 The Cover Provided Cancellation
and Curtailment |
| The Insurer will reimburse the Insured or Insured
Person for Transport and Accommodation
Costs up to the sum insured
stated in the schedule as a result of the Holiday being
cancelled or curtailed due to: |
| 1. |
death, Accidental Bodily Injury, or illness of: |
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a) |
the Insured Person and/or any person with whom he/she has arranged
to travel or meet at the specified Holiday establishment |
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b) |
any close relative or
business associate of the Insured Person or of any person
with whom he/she has arranged to travel or meet at the specified Holiday establishment |
| 2. |
a) |
jury service |
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b) |
witness call |
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c) |
compulsory human quarantine on the instruction of the
Government or any competent public authority |
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d) |
unemployment through redundancy, after the date of booking
and before the commencement date of the Holiday |
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e) |
pregnancy |
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of the Insured Person and/or any person with whom he/she
has arranged to travel or meet at the specified Holiday establishment,
occurring during the Period of Insurance. |
| 3. |
Fire, storm, flood, malicious damage or theft
which is the subject of a business or home insurance claim and which occurs
at the Insured Person's main residence or business premises within seven
days before the commencement of the Holiday or at any time after the commencement
of and during the Holiday which requires the presence of the Insured
Person. |
| 4. |
Occupational posting of which the Insured
Person was unaware at the time of the booking of the Holiday. |
| 5. |
Cancellation or curtailment
of scheduled transport services due to strikes, riots, or
civil commotion, but limited to the cost of alternative transport up to £100.00
for each Insured
Person for
the outward journey, and £100.00 for each Insured
Person for the return journey. |
| 6. |
The irrecoverable cost of alternative similar
accommodation if the Holiday is disturbed by excessive noise, substantial
loss of visual amenity or any other significant nuisance outside of the
control of the accommodation provider or letting or booking agency rendering
the accommodation unsuitable for holiday purposes, subject to: |
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a) |
a maximum payment of 150% of the invoice cost of the original
booked accommodation |
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b) |
the disturbance not being in existence or a commencement
date publicly announced at the time of booking the Holiday |
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c) |
the disturbance being confirmed as expected to exceed
a 24 hour period |
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excluding |
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any claim solely arising from the failure by the accommodation
provider and/or the letting/managing agency to properly maintain the Holiday accommodation |
| 7. |
Inability of the Insured
Person to reach the
specified Holiday establishment |
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a) |
due to adverse weather conditions making the journey exceptionally
hazardous or impossible |
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b) |
due to road closure except where alternative routes are
open |
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c) |
upon the advice of the local Police |
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provided that the Insured
Person has taken
all reasonable steps to reach the specified Holiday accommodation. |
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| Part 3 Policy Conditions |
| This Part of the Policy provides details of
all Conditions that apply to the Policy |
| 1. |
Duty of Disclosure |
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All information supplied to the Insurer by
or on behalf of the Insured or the Insured
Person in connection with this
Policy must be truthful and complete including any information supplied
in relation to a claim. |
| 2. |
Basis of Policy |
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The Policy and Schedule shall be read together as one
contract and words and expressions to which specific meanings have been
attached in this Policy shall bear such specific meanings wherever they
may appear. The Statement of Fact or Proposal Form and all other material
information supplied by the Insured to the Insurer shall form the basis
of this Policy. |
| 3. |
Payment of Premium |
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The Insured must pay to the Insurer all premiums
due to the Insurer together with all taxes due on the premiums. |
| 4. |
Law Applicable to Contract |
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Unless the Insurer agrees otherwise: |
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a) |
the language of the Policy and all communications relating
to it will be English; and |
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b) |
all aspects of the Policy including negotiation and performance
are subject to English law and the decisions of English courts. |
| 5. |
Claims conditions |
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No claim will be paid unless the Insured and
where applicable the Insured Person complies
strictly with these conditions: |
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a) |
The Insured or Insured
Person must give notice to J L
Morris (Insurance Brokers) Ltd as soon as possible and in any event within
30 days after the happening of any loss damage or occurrence which may
result in a claim under this Policy. |
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b) |
The Insured or Insured
Person must provide the Insurer
with all information and evidence which the Insurer may reasonably require
at no cost to the Insurer. |
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c) |
The Insured or Insured
Person must at the Insurer's request
provide a medical examination report in respect of any Accidental
Bodily Injury where the Insured requires the Insurer to consider a claim under
this Policy for which the Insurer will pay the cost of the medical examination
fee. |
| 6. |
Assignment |
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The Insured and the Insured
Person must not
assign any of the benefits under this Policy. The Insurer will not be
bound to accept or be affected by any notice of trust, charge, lien or
purported assignment or other dealing with or relating to this Policy. |
| 7. |
Third Parties |
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Save as set out herein, a person or company
who is not a party to this Policy has no rights under the
Contracts (Rights of Third Parties) Act 1999 or any subsequent
legislation to enforce any terms of this Policy but this does not affect
any right or remedy of a third party which exists or is available apart
from such act. |
| 8. |
Insured's Cancellation
Rights |
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The Insured has
the right to cancel the Policy within a period which begins
fourteen days from the commencement of cover or the receipt
of Policy Documentation whichever is the later (this period
is referred to as the "cooling
off" period).
The Insured should exercise this right
by contacting J L Morris (Insurance Brokers) Ltd at the
address shown below. If the Insured does
exercise their right to cancel during the "cooling off" period
they will be entitled to a return of premium. If the Insured does
not exercise their right to cancel during the "cooling off" period
no premium will be refunded. |
| 9. |
Insurer's Cancellation
Rights |
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The Insurer may cancel this Policy by giving
the Insured fourteen days notice in writing sent to the Insured's last
known address. The Insured may be entitled to a proportionate return of
the premium in respect of the unexpired Period
of Insurance. |
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| Part 4 Policy Exclusions |
| This Part of the Policy provides details of
all Exclusions applicable to the Policy |
| This insurance does not cover |
| a) |
disinclination to travel |
| b) |
failure of public or private transport services, other
than due to strikes, riots, or civil commotion |
| c) |
suicide, attempted suicide, insanity, the
influence of alcohol or the effect of drugs not taken in accordance with
treatment prescribed and directed by a registered medical practitioner |
| d) |
booking a Holiday against the advice of a
registered medical practitioner |
| e) |
unemployment through redundancy where impending
notice of redundancy existed at the time of booking the Holiday |
| f) |
any loss which is otherwise insured by a travel
insurance, or a travel insurance provided as a benefit by a credit card,
or an annual travel insurance, whether part of a home insurance Policy
or otherwise. |
| g) |
any claim arising directly or indirectly from
the failure or fear of failure of any computer program, to recognise or
to correctly interpret or process any date as its true calendar date,
or to continue to function correctly beyond that date. |
| h) |
any claim directly or indirectly arising out of any nuclear,
chemical or biological Contamination due to any act of Terrorism. |
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| Part 5 Complaints |
| Our aim is to get it right, first time every
time. If we make a mistake we will try to put it right promptly. |
| We will always confirm to you the receipt
of your complaint within five working days and do our best to resolve
the problem within four weeks. If we cannot we will let you know when
an answer may be expected. |
| If we have not resolved the situation within
eight weeks we will provide you with information about the Financial Ombudsman
Service. |
| Should you wish to make a complaint then it
should be directed to the Customer Satisfaction Manager at the Allianz Insurance plc
location shown in your Policy documentation or alternatively
contact the Customer Satisfaction Manager at : |
Allianz Insurance
plc, 57 Ladymead, Guildford, Surrey, GU1 1DB.
Tel 01483 552438 |
| Using our complaints procedure or referral
to the Financial Ombudsman Service does not affect your
legal rights. |
| Financial Services Compensation Scheme. |
| Allianz Insurance plc contributes to the Financial
Services Compensation Scheme (FSCS). |
| You may be entitled to compensation from the
FSCS if we are unable to meet our liabilities. For compulsory
insurance you may be entitled to compensation up to 100%
of the claim. For all other types of insurance you may be entitled to
compensation of up to £2,000 for the first part of the claim and 90% of
the remainder of the claim. Further information about compensation scheme
arrangements is available from the FSCS. |
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| Part 6 Making a Claim |
Claims under this Policy are
handled by A&H
Claims Unit, Allianz Insurance plc PO Box 5525,
Milton Keynes, Buckinghamshire, MK9 2XR.
Tel: 0845 0710 335.
Fax: 01483 790726. |
| All claims or incidents likely to give rise
to a claim must be reported to: |
| J L Morris (Insurance Brokers)
Ltd, Manor House, 1 Macaulay Road, Broadstone, Dorset, BH18 8AS Tel: 01202
642840 Fax: 01202 658815 who will provide the claim form you need to complete. |
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| DEMANDS AND
NEEDS STATEMENT |
| This product meets the demands and needs of
those who wish to ensure they have covered the cost of accommodation
booked and transport costs in the event of the holiday being cancelled
and curtailed. |
| Status Disclosure by J L Morris (Insurance
Brokers) Ltd |
| In this section reference to We, Our and Us
refers to J L Morris (Insurance Brokers) Ltd. |
| We are authorized and regulated by the Financial
Services Authority (Registration Number 306499) and this can be checked
by visiting the FSA website at www.fsa.gov.uk/register or by contacting
the FSA on 0845 606 1234. |
| We have arranged this insurance with a single
insurer, Allianz Insurance plc. |
| We have not provided advice in relation to
this insurance. We have not made a recommendation to purchase this insurance. |
| If you have a complaint about Us please write
to David Morris at the above address. We will acknowledge your complaint
within three working days and will give you a response at that time if
We can. If it will take longer to deal with your complaint We will advise
you when you can expect to receive a fuller response. If We are unable
to resolve the problem within eight weeks We will provide you with information
about the Financial Ombudsman Service. |
| You may be entitled to compensation from the
Financial Services Compensation Scheme (FSCS) if We are
unable to meet Our liabilities. For this type of insurance
you may be entitled to compensation of up to £2,000 for the first part
of the claim and 90% of the remainder of the claim. |
| We do not charge any fees for arranging this
insurance and will hold your premium in a trust account as agents for
Allianz Insurance plc. |
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HOLIDAY CANCELLATION INSURANCE POLICY
Policy Summary
|
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| This summary of cover provides a guide to
the cover provided under the policy by setting out the significant features,
benefits, limitations and exclusions. It is only a summary of the cover
and does not contain the full terms and conditions which can be found
in the policy document, a copy of which you are entitled to on request. |
| Insurance Provider |
| The policy is underwritten by Allianz
Insurance plc. |
| This Policy covers the
cost of accommodation booked & transport costs in the event of the
holiday being cancelled or curtailed |
| Significant Features & Benefits |
Significant Exclusions or Limitations |
| No excess |
Disinclination to travel |
| No age limit |
Failure of public or private transport services,
other than due to strikes, riots, or civil commotion |
No pre-existing medical condition
exclusion
|
Suicide, attempted suicide, the
influence of alcohol or the effect of drugs |
Death accidental bodily injury or
illness of Insured person, person
with whom he/she has arranged
to travel or meet at the specified
holiday establishment or any close
relative or business associate of the
Insured Person
|
Booking a holiday against the
advice of a qualified medical
practitioner |
Unemployment through
redundancy
|
Redundancy known about prior
to the date of booking the holiday |
| Inability of the Insured Person to
reach the specified holiday
establishment due to adverse
weather |
Persons resident outside of the
United Kingdom, Channel Islands
or the Isle of Man |
Excessive noise, loss of substantial
visual amenity or significant
nuisance
|
Events lasting less than 24 hours,
known
about at the time of booking, caused by the
accommodation provider |
|
| Refer to the policy wording for full details
of cover and the policy conditions and policy exclusions |
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Underwritten by
Allianz Insurance plc
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