Travel Insurance Wording

Computer Contractors Travel Insurance Scheme arranged by
Caunce O'Hara & Company Limited, 9 St. James's Square, Manchester, M2

Eligibility

To be eligible for this insurance cover, the following conditions must be met:

  1. Each trip must have an original intended duration of no more than 31 days inclusive.
  2. At the date of booking of, or the commencement of, each trip the insured person must be a permanent United Kingdom resident under the age of 64.
  3. An insured person must not book a trip or travel:
    i. against medical advice or after a terminal prognosis has been made, or
    ii. to obtain medical treatment.
  4. The insured person must take all necessary steps to safeguard their property and to recover any property or money lost
  5. Any insured person under the age of 18 is only covered whilst they are on a trip with, or are travelling to or from a visit to, another insured person who is over the age of 18 or whilst they are accompanied by a relative or other responsible adult person who is formally charged to look after them (for example a teacher over the age of 18).

Geographical Area

The countries visited by an insured person must be within the Geographical Area shown in the Insurance Schedule.

United Kingdom includes England, Scotland, Wales, Northern Ireland and the Isle of Man.

Europe includes Southern Ireland, the Channel Islands, the Azores, Madeira, the Canary Islands, Morocco, Tunisia, Israel, Mediterranean Islands, Turkey, Black Sea Resorts and Commonwealth of Independent States west of the Ural Mountains.

Pre-existing Medical Conditions

In respect of Sections A, B & F, the Insurers will not pay any claims or expenses arising directly or indirectly from any medical condition of an insured person for which medical advice or treatment has been given by a medical practitioner or hospital during the 12 months prior to any trip covered by this Insurance, unless disclosed to and accepted by Insurers.

Reciprocal Health Agreement

If an insured person is visiting a country in the European Union a Form E111 should be obtained from a Post Office. This will entitle the insured person to reduced healthcare costs in European Union countries. If an insured person uses Form E111 or private health insurance to reduce the cost of necessary healthcare, the claim excess shown on page 10 as applicable to Section A ,"Medical and Additional Expenses", will not apply.

Effective Period of Cover

Provided each trip commences during the period of insurance shown in the Insurance Schedule, cover will last from the time the insured person leaves home (or place of work if later) for the whole trip until returning home (or place of work if earlier). Cover for cancellation of a trip operates from the date of booking or from the date of issue of this insurance as shown in the Insurance Schedule, whichever the later.

Automatic Extension

If an insured person is unable to return home before the expected return date of a trip because of reasons outside their control, cover will be extended for up to 21 days without charge. If the reason the insured person is unable to return before the expected return date is that they have been hi-jacked, kidnapped, detained or interned, cover will be extended for up to a maximum of 12 months from the date of the hi-jack whilst they remain hi-jacked, kidnapped, detained or interned or are returning home or are completing their original intended trip.

A. Medical and Additional Expenses

What is covered
Whilst on a trip, if an insured person suffers accidental bodily injury or illness, including compulsory quarantine, or is hi-jacked then the Insurers will pay an amount , not exceeding £1,000,000 for:

  1. normal and necessary expenses, incurred outside the United Kingdom, of medical or surgical treatment including specialist's fees, ophthalmic fees, hospital, nursing home and nursing attendance charges, physiotherapy, massage and manipulative treatment, medical and surgical requisites and ambulance charges. This also includes an amount up to £500 for emergency dental treatment for the immediate relief of pain.

  2. reasonable additional hotel and repatriation expenses incurred by the insured person or any member of the insured person's family who has to remain with or travel with the injured or ill insured person.

  3. the travel and reasonable hotel expenses of one person to travel from the United Kingdom provided their presence is necessary on medical grounds.

  4. the cost of transporting an insured person's remains or ashes home or reasonable funeral expenses incurred outside the United Kingdom.

  5. the charter of an air ambulance or the use of air transport, including qualified attendants, for an insured person's repatriation to the United Kingdom provided it is certified as medically necessary by a doctor and has been authorised by the Medical Advisors

Hospital Benefit - if an insured person has a valid claim under this Section the Insurers will pay £25 per day up to a maximum of £1,000 whilst the insured person remains an in-patient in a hospital outside the United Kingdom. This benefit is payable in addition to the hospital charges covered.

What is not covered

  1. pre-existing medical conditions,
  2. costs of in-patient care and repatriation which have not been pre-authorised by the Medical Advisors,
  3. costs in respect of treatment which could have been delayed until return to the United Kingdom,
  4. expenses incurred after the insured person has returned home from a trip, or more than 12 months after the period of insurance shown in the Insurance Schedule, whichever is earlier,
  5. pregnancy and childbirth if delivery is expected whilst on a trip or within 2 months thereafter,
  6. intentional self-injury, suicide or attempted suicide, alcohol or drug abuse,
  7. the cost of continuing regular medication for any condition in respect of which medical advice or treatment is being followed at the commencement of a trip,
  8. taking part in winter sports, mountaineering, rock climbing or riding or driving in any kind of race,
  9. venereal disease or expenses incurred either directly or indirectly in the treatment or diagnosis of either Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC),
  10. deliberate exposure to exceptional danger except in an attempt to save human life.

What to do in the event of a medical emergency

The insured person or their representative must contact the Medical Advisors immediately any serious accident or illness abroad requires in-patient hospitalisation or before any arrangements are made for repatriation. They are available 24 hours a day and will try to solve the problem in the most practicable way to minimise inconvenience.

IMPORTANT: to qualify for benefit, the claim must be pre-authorised by the Medical Advisors. Please refer to "Who to Contact."

Failure to consult them and follow their instructions will affect entitlement to benefit or compensation.

B. Cancellation, curtailment, delay and disruption

What is covered
If an insured person has to cancel or curtail a trip the Insurers will pay an amount not exceeding £5,000 for irrecoverable expenses in respect of travel and accommodation. This will include any reasonable extra payments which have to be made for travel and accommodation for the insured person's return home. Cancellation or curtailment must be due to:

  1. death or accidental bodily injury, illness, compulsory quarantine or hi-jack of:
    1. an insured person,
    2. any member of the travel party,
    3. any person with whom an insured person intends to reside or conduct business with during a trip, or
    4. any close relative, including fiancé(e), of the insured person or close business associate necessitating the insured person's presence in the United Kingdom.

  2. compulsory redundancy (as defined in United Kingdom Employment law) of:
    1. an insured person, or
    2. any member of the travel party.

  3. the summoning to jury service or witness attendance in the United Kingdom or the unavoidable need to be present in the United Kingdom for service in any military or civil emergency of:
    1. an insured person, or
    2. any member of the travel party.

  4. major damage or burglary at the home or place of business of:
    1. an insured person,
    2. any member of the travel party, or
    3. any person with whom an insured person intends to reside or conduct business with during a trip.

  5. Adverse weather conditions making it impossible for the insured person to travel to the point of departure of a trip.

Where delays lead to cancellation - if a trip is delayed for more than 24 hours because of an interruption or curtailment of scheduled services as a direct result of strikes, locked out workers, industrial action, riot or civil commotion, hi-jack, avalanches, landslides, adverse weather or mechanical breakdown of aircraft, sea vessel, train or coach due to circumstances outside of the insured person's control and such a trip is cancelled, the Insurers will pay an amount, not exceeding £5,000 for irrecoverable deposits or charges paid in advance or contracted to be paid by the insured person.

Temporary delays - in the event of temporary delay to a trip for the reasons given in the previous paragraph, the Insurers will pay (a) £30 for the first full 12 hours of delay and (b) £15 for each further full 12 hours of delay. The maximum payable is £200 in all.

Inability to reach departure point - if, due to the failure of public transport services, the insured person does not reach the original departure point of a trip, the Insurers will pay an amount, not exceeding £1,000, for any reasonable additional accommodation and transport costs incurred by the insured person.

Package Holidays - if a trip is an all-in-Package Holiday/Journey, the Insurers will pay benefit on a proportionate basis only, with the commencement of the curtailment period being dated from the insured person's arrival back home.

What is not covered

  1. pre-existing medical conditions,
  2. pregnancy and childbirth if delivery is expected whilst on a trip or within 2 months thereafter,
  3. intentional self-injury, suicide or attempted suicide, alcohol or drug abuse,
  4. any condition or set of circumstances known to the insured person when this insurance was effected, or when a trip was booked, which the insured person could reasonably expect to give rise to cancellation or curtailment of a trip,
  5. failure to check in as specified in the itinerary supplied to the insured person or the insured person's failure to obtain written confirmation from the carriers, or their agents, of the number of hours delay and the reason,
  6. any loss directly or indirectly attributable to the malfunction or inability by any computer system hardware or software or by any other electronic device to recognize, calculate, amend to or from the year 2000,
  7. deliberate exposure to exceptional danger except in an attempt to save human life.

C. Money, Travellers Cheques, Passports, Credit Cards

What is covered
The Insurers will pay an amount not exceeding:

  1. £500, should the insured person lose cash, bank or currency notes;

  2. £500 for the loss of the insured person's travellers cheques, passports, green cards, petrol coupons or travel tickets, including necessary and directly associated costs;

  3. £500 for the fraudulent use of lost credit cards, charge cards or banker's cards (the Insurers will not pay for any amount of loss which is already covered by any guarantee given to the insured person by the issuing bank or company).

    What is not covered


  4. loss or theft if not reported to the police within 24 hours and a written report obtained,

  5. monies whilst in the custody of a carrier,

  6. loss or theft of money left unattended unless in a locked hotel room, apartment, holiday residence or motor vehicle, but the Insurers will not be liable for any loss of money left overnight in a motor vehicle unless the vehicle is in a secure garage,

  7. shortages due to error or omission or depreciation in value,

  8. confiscation or detention by the Customs or other authority,

  9. any claim arising from the fraudulent use of credit cards, charge cards or banker's cards if the insured person has not reported the loss to the issuing bank or company and/or not complied with the terms and conditions under which the card was issued.

Special Extension

Cover in respect of money or travellers cheques shall be effective from the time of collection from the insured persons bank or travel agent or from the date 3 days before the trip whichever the later and up to 2 days after completion of the trip or time of conversion or encashment, whichever is the earlier.

D. Personal Effects

What is covered
The Insurers will pay an amount, not exceeding £2,000, for the loss of, or damage to, the insured person's personal luggage, clothing or other personal effects provided that the insured person is travelling with such articles. The Insurers' liability for any one article or pair or set of articles will be limited to £500 (other than for Business Tools where the limit is £2,000. A limit of £2,000 also applies to business tools, but in respect of such, the Insurers liability shall be limited to 80% of any loss admitted hereunder. The Insurers will pay for the comparable replacement of any lost or damaged article if such article is less than 2 years old provided the insured person can provide evidence of the original purchase. If the article was more than 2 years old or if it is not actually replaced or if the insured person cannot provide proof of purchase then payment will be based upon either the value at the time of loss or the cost of repair.

If the insured person's baggage is temporarily lost for more than 12 hours by an airline, railway or shipping company the Insurers will pay up to £200 for the purchase of immediate necessities, subject to appropriate receipts being provided. Any amount so paid will be deducted from the final claim settlement if the loss becomes permanent.

What is not covered

  1. damage due to moth, vermin, wear and tear and gradual deterioration,
  2. loss or theft of valuables if not reported to the police within 24 hours and a written report obtained,
  3. loss of cash, bank or currency notes, travellers' cheques, prepaid petrol coupons and travel tickets,
  4. confiscation or detention by the Customs or other authority.
  5. property otherwise insured,
  6. any baggage lost or damaged whilst in the custody of a carrier unless such loss or damage is reported to the carrier within 24 hours and a report obtained,
  7. loss of valuables whilst in the custody of a carrier,
  8. loss of baggage or personal effects left unattended unless in a locked hotel room, apartment, holiday residence or motor vehicle, but the Insurers will not be liable for loss of property left overnight in a motor vehicle unless the vehicle is in a secure garage,
  9. consequential loss of any kind.

E. Personal Liability

What is covered
The Insurers will indemnify the insured person in respect of legal liability to the public for injury to persons, not being an employee of the insured person or a member of the insured person's family or household, and/or damage to property, other than the insured person's property or property of the insured person's family or household. Such indemnity will be up to an amount not exceeding £2,000,000 for any one accident or series of accidents, including legal expenses, arising from accidents occurring in connection with a trip. No liability will be admitted and no admission, arrangements, offer, promise or payment shall be made by the insured person without written consent of the Insurers. The Insurers shall be entitled to take over and conduct in the insured person's name the defence of any claim or to prosecute in the insured person's name for their own benefit any claims for indemnity or damages or otherwise against any third party. The Insurers shall have the full discretion in the conduct of any negotiations or proceedings or the settlement of any claim and the insured person shall, whenever possible, give all such information and assistance as the Insurers may require.

What is not covered

  1. the insured person's liabilities arising out of the ownership or use of any horse drawn or mechanically propelled vehicle (other than golf buggies) waterborne craft or aircraft, firearms or animals.

  2. the insured person's liabilities arising out of the ownership or use of lands and/or buildings.

  3. any professional and contractual liabilities and liabilities to employees.

F. Replacement Costs

What is covered
The Insurers will pay up to £2,500 each insured person for additional expenses necessarily and reasonably incurred in recruiting and sending another employee overseas to replace an insured person should he have to be replaced and return home before completion of his work overseas, for any of the following reasons:

  1. The death, accidental Bodily Injury, illness or compulsory quarantine of an Insured Person, spouse or business associate(s).
  2. Hi-Jack of an Insured Person.

Note: The onus of proof that replacement was necessary lies with the Assured/Employer.

What is not covered

  1. pre-existing medical conditions,
  2. engaging in or taking part in naval, military or air force service or operations,
  3. taking part in winter sports, mountaineering, rock climbing or riding or driving in any kind of race,
  4. aeronautics or aviation other than as a passenger,
  5. intentional self-injury, suicide or attempted suicide, alcohol or drug abuse,
  6. deliberate exposure to exceptional danger except in an attempt to save human life,
  7. Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC).
  8. pregnancy and childbirth if delivery is expected whilst on a trip or within 2 months thereafter,
  9. any condition or set of circumstances known to the insured person when this insurance was effected, or when a trip was booked, which the insured person could reasonably expect to give rise to cancellation or curtailment of a trip

G. Legal Expenses

What is covered
The Insurers will pay the insured person's legal expenses including all and any taxes and duties payable thereon, up to an amount not exceeding £25,000, incurred by the insured person in the pursuit of legal proceedings for damages directly arising from or out of the insured person's injury, illness or death on a trip during the period of insurance shown in the Insurance Schedule. Claims for Legal Expenses will be handled by the legal protection advisors, Eastgate Assistance. They shall be entitled to nominate and appoint a Legal Representative to act on the insured person's behalf and to have direct access at all times to such Legal Representatives.

What is not covered

  1. actions against travel agents, tour operators, the Insurers or their agents, the insured person's spouse or immediate family,
  2. legal costs and expenses incurred without the Insurer's written consent,
  3. any claim reported to the Insurers more than 180 days after the incident giving rise to a claim,
  4. travelling expenses, medical fees and other incidental expenses,
  5. any claim where the Insurers or their appointed legal representative consider that the prospect of success in achieving a reasonable benefit are insufficient and/or where the laws or practices and/or financial regulations of the country in which the incident occurred preclude the insured person from obtaining a material financial benefit or from exporting the damages recovered to the United Kingdom.

J. General Exclusions for all sections of cover

What is not covered

  • pre-existing medical conditions (applying to Sections A, B & F).
  • radiation
  • cover will not apply for any event directly or indirectly caused by or contributed to by, or arising from:
    1. ionizing, radiation or contamination by radioactivity from any nuclear waste or from the combustion of nuclear fuel, or
    2. the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
    • war and kindred risks applying to Sections C & D onlycover will not apply for any event directly or indirectly occasioned by, happening through or in consequence of war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, insurrection, military or usurped power, unless air or waterborne.

Notice to the insured person

The cover referred to in this Insurance is subject to English law.

Any enquiry or complaint should be addressed in the first instance to your issuing agent or broker. If the complaint concerns a claim please, in the first instance, write to the Managing Director of the Claims Administrators. If the response is unsatisfactory the complaint may be referred to the Complaints Department at Lloyd's and ultimately to the Insurance of Ombudsman. The Claims Administrators will provide the full addresses of these organisations and the referral of a complaint to any of them will not affect the insured person's rights in law.

Fraud

Any fraud, mis-statement or concealment in the statements made by the insured person or on their behalf, when arranging this insurance or when making a claim shall render all cover null and void and any claim payments shall be forfeited.

Money Back Guarantee

If you feel this insurance does not suit your requirements than a full refund will be allowed if the insurance schedule is returned to the issuing agent/broker within 10 days, provided you have not made a claim or no trips have commenced.

The Claims Excess

£30 will be deducted from all claims. (other than for temporary delay or failure to reach departure point).

Should the same occurrence give rise to a claim under more than one section only one amount of £30 will be deducted.

Definitions

These words and phrases will always have the same meaning wherever they appear in this Insurance:

"accident/accidental"
a sudden unexpected, unusual, specific event which occurs at an identifiable time and place during an insured trip within the period of this insurance.

"bodily injury"
an identifiable physical injury which is caused solely by an accident, during an insured trip within the period of insurance.

"hi-jack/hi-jacked"
unlawful seizure or wrongful exercise of control of an aircraft or conveyance, or the crew thereof, in which the insured person is travelling as a passenger (or was booked to travel, in respect of cover for travel delays leading to the trip being cancelled).

"loss of limb"
(a) the loss by permanent physical separation of a hand at or above the wrist or of a foot at or above the ankle, or (b) the total and irrecoverable loss of use of hand, arm or leg.

"permanent total disablement"
disablement which entirely prevents the insured person from attending to any business or occupation for which the insured person is reasonably suited by training, education or experience and which lasts twelve months and at the expiry of that period is beyond hope of improvement.

"insured person"
the insured person as shown in the insurance schedule.

"partner"
shall mean any person who has co-habitated with the insured person for at least 6 consecutive months.

"dependent children"
means all children aged under 18, or under 23 if in full time education, who normally reside with, and are travelling with an adult insured under this insurance.

"family"
shall mean the insured person, their partner and all dependent children.

"valuables"
watches, furs, jewellery, precious or semi-precious stones, articles made of or containing gold, silver or other precious metal, musical instruments, sports equipment, telescopes, binoculars, portable phones, antiques and photographic, video, audio or computer equipment and accessories.

Who to contact

Medical Advisors to be contacted in the event of medical emergencies

CEGA Air Ambulance Ltd
Goodwood Air Field
Chichester
West Sussex, PO18 0PH.

Tel: (UK) 01243 621525
Fax: (UK) 01243 773169

Please have the following ready when you notify the claim:

  1. the Evidence of Insurance Number, which is shown on the Schedule
  2. the dates of outward and return journey
  3. details of the insured person's problem
  4. a telephone number on which the insured person or their representative can be contacted

Claims Administrators to be contacted for non-emergency claims and queries on claims payments:

Cassidy Davis Insurance Services Ltd
21 Perrymount Road
Haywards Heath
West Sussex, RH16 3TP.

Tel:(UK) 01444 450550
Fax: (UK) 01444 458234

When you notify a claim please tell them the Evidence of Insurance Number shown in the Schedule.

Legal Protection Advisors to be contacted for Legal Expenses claims:

Capita Assistance
The Business Park
Stephenson Road
Colchester, Essex.

Tel: (UK) 08705 234567

When you notify the claim please tell them the Evidence of Insurance Number shown in the Schedule.

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