- Indian Ocean|
- Middle East|
- New Zealand|
- South America|
08 December 2013
The below applies only to insurance purchased on or after 01 January 2012.
For insurance purchased on or before 31 December 2011, please see www.dialaflight.com/insurance2011.aspx for details.
The Financial Service Authority
The Financial Services Authority (FSA) is an independent watchdog that regulates financial services. It requires us to give you this document. Please use the information below to confirm that the service we are offering is right for you.
Who Regulates us?
The Lotus Group Ltd, 39 Queen Elizabeth Street, London SE1 2BT is an Appointed Representative of Campbell Irvine Ltd who are authorised and regulated by the Financial Services Authority. You may check this on the FSA’s register by visiting the FSA’s website www.fsa.gov.uk/register or by contacting them on 0845 606 1234.
Whose Products do we offer?
We only offer travel insurance from a single insurer. This travel insurance is underwritten by ETI – International Travel Protection, the United Kingdom branch of Europaische Reiseversicherung A.G., an Ergo Group Company incorporated and regulated under the laws of Germany, (ETI) Companies House Registration FC 25660 and Branch Registration BR 007939. Licensed by the Bundesanstalt fur Finanzdienstleistungsaufsicht (BAFIN – www.bafin.de) and approved by the Financial Services Authority to undertake insurance business in the United Kingdom.
Which Service we provide you with?
We do not recommend products after assessing your needs for Travel Insurance. We will ask you questions to determine that the product we are offering is applicable to your circumstances. You can then choose whether you wish to proceed with this product.
What will you have to pay us for our services?
We may charge an administration fee to cover any amendments to your travel insurance policy after it has been issued. Details will be provided to you at the time.
Are we covered by the Financial Services Compensation Scheme (FSCS)?
We are covered by the Financial Services Compensation Scheme (FSCS). If we are unable to meet our obligations, you may be entitled to compensation from the scheme depending on the type of insurance and the circumstances of the claim. Further information is available from the FSCS at www.fscs.org.uk.
Your Duty of Disclosure
It is your responsibility to provide complete and accurate information to insurers when you take out your insurance policy, throughout the life of the policy and if you renew it. It is important you ensure that all statements you make on any application, claim form or other documentation are full and accurate. Please note that if you fail to disclose any material information or change of circumstances to your insurers, this could invalidate your insurance cover and could mean that part or all of a claim may not be paid. We strongly recommend that the information provided is checked thoroughly prior to submission and that you keep a record of all correspondence supplied in relation to the arrangement of your insurance cover
We will be responsible for collecting payment for all new and renewal premiums and any alterations as soon as practicable but prior to inception or renewal of your policy. All premiums paid to us will be held as Agent of the Insurer in our non Trust Bank Account. All premiums are protected under Risk Transfer agreement with the Insurers. You will be responsible for paying promptly all of our payment requests for premiums, to enable us to make the necessary payments to insurers. We normally accept payment by cheque or selected credit /debit cards.
Should you mislay your policy a replacement will be issued upon written request. You may also request a new policy document at each renewal
Governing Law and Language
UK Law allows the parties to choose the law applicable to the contract. The contract will be subject to the laws of England and Wales and in all communications, the contractual terms and conditions, and any information, we are required to supply to you, before and during the duration of the contract will be in the English language, unless otherwise agreed in writing.
Confidentiality and Data Protection
All personal information held by us in relation to you will be treated with the utmost confidence and, where appropriate, in accordance with data protection legislation, including the Data Protection Act 1998. To set up and administer your insurance policy ETI - International Travel Protection will hold and use information about you supplied by you and by medical providers. They may also send it in confidence for processing to other companies acting on their instructions including those located outside the European Economic Area
What to do if you have a complaint
Please see the complaints procedure detailed in your Policy document.
This policy summary does not contain full details and conditions of your insurance, these are located in your policy document. This insurance is underwritten by ETI - International Travel Protection.
Emergency Assistance & Repatriation
Medical expertise to arrange medical assistance or transport home following an accident or illness or if you are informed of a serious illness of a close relative at home whilst on holiday.
Medical Expenses & Repatriation
A pro-rata refund up to £3,000 pre-paid travel and accommodation costs following curtailment by early return to the United Kingdom or by attendance as an in-patient in a hospital abroad.
Luggage and Personal Money
Accidental loss of or damage to luggage and personal effects, money and travel tickets up to £2,000 up to £200 for any one article, up to £200 for all valuables and £200 for money. Please see the definition of valuables in the ‘Definitions’ in the policy document.
Up to £150 for receipted emergency essential replacements purchased by you if your luggage is lost and not returned for more than 24 hours on the outward journey.
Personal liability for any damages you become legally liable to pay up to £1,000,000.
Up to £10,000 for death, loss of limb or sight and permanent total disablement, subject to age. Please refer to the policy document for full details of the cover available.
Delayed departure for at least 12 hours from the scheduled departure time. £20 for the first complete 12 hour delay and £10 for each completed 12 hours following, up to a maximum of £150
Up to £500 for additional travelling expenses incurred due to the missing of the pre-booked departure from the United Kingdom or the final return journey to the United Kingdom, due to the failure or disruption of pre-booked connecting public transport.
Legal Costs and Expenses
Up to £25,000 for legal costs and expenses incurred in the pursuit of compensation and/or damages for personal injury or death during the Period of Cover.
Golf Equipment(applicable to golf policy only)
Exclusions under Cancellation:
Exclusions under Medical Expenses & Repatriation:
Exclusions under Curtailment:
Exclusions under Luggage & Personal Money:
Exclusions under Personal Liability:
Exclusions under Curtailment:
Exclusions under Delayed Departure:
Exclusions under Legal Costs and Expenses:
Exclusions under Golf Equipment:
Exclusions under Personal Liability:
Option to Cancel
Making a Claim
If you have a claim while on holiday:
Making Yourself Heard
Any complaint you may have should in the first instance be addressed to the claim office or helpline as applicable. If you are not satisfied with the way in which your complaint has been dealt with you should write to ETI – International Travel Protection, Albany House, 14 Bishopric, Horsham, West Sussex RH12 1QN. If the complaint is still not resolved, you can approach The Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the Complaints Procedure of the policy document.
Financial Services Compensation Scheme (FSCS)
Towergate Chase Parkinson and the insurers of this policy are covered by the Financial Services Compensation Scheme (FSCS). If we are unable to meet our obligations, you may be entitled to compensation from the scheme, depending on the type of insurance and the circumstances of the claim.
Further information is available from the FSCS at http://www.FSCS.org.uk
For insurance purchased on or after 01 January 2013 please see the following document for full insurance terms and conditions www.dialaflight.com/insurance/TermsAndConditions2013.pdf
For insurance purchased between 01 January 2012 & 31st December 2012 (inclusive) please see the following document for full insurance terms and conditions www.dialaflight.com/insurance/TermsAndConditions2012.pdf