Insurance

The below applies only to insurance purchased or before 31 December 2010. For insurance purchased on or after 01 January 2011, please see www.dialaflight.com/insurancesummary.aspx for details.

Initial Disclosure

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 administered by First Assist Insurance Services Ltd and underwritten by Great Lakes Reinsurance (UK) Plc.

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 Financial Services Compensation Scheme (FSCS)?
We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we can not meet our obligations, depending on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 100% of the first £2000 and 90% of the remainder of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS.

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

Settlement Terms
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.

Your Policy
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 FirstAssist Insurance Services Ltd 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.

Policy Summary

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 Great Lakes Reinsurance (UK) PLC.

Type of Insurance and Cover

• Travel insurance for single trips or annual multi trips.
• Various optional covers may also be included - your policy schedule will show if you selected these options.
• Where a heading is underlined in this policy summary, full details can be found in your policy document under the same heading.

Conditions

• Travel insurance for single trips
• Various optional covers may also be included, your policy schedule will show if you selected these options.
• Where a heading is underlined in this Policy Summary, full details can be found in your Policy Document under the same heading

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.

Cancellation

• Unavoidable or necessary cancellation due to, death, injury or illness, summons for jury service or as a compulsory witness in a court of law (other than in the line of duty), compulsory redundancy qualifying for payment under the current redundancy legislation.
• A complication of your pregnancy or such pregnancy exceeding 30 weeks on the date of departure
• Unavoidable delay exceeding 12 hours at the final point of departure from the United Kingdom due to failure or disruption of the pre-booked public transport on which you were due to depart.
• The maximum we will pay under this section per insured person is £3,000.

Medical Expenses & Repatriation

• Medical, surgical or hospital treatment, drugs or appliances and travelling costs to obtain such treatment up to £5,000,000 outside the United Kingdom.
• Reasonable cost of conveying your ashes or body home or the cost of funeral expenses abroad.
• Reasonable additional accommodation and subsequent repatriation expenses incurred if it is medically necessary for you to stay beyond your scheduled return date

Curtailment

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.

Luggage Delay

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

Personal liability for any damages you become legally liable to pay up to £1,000,000.

Personal Accident

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

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

Missed Departure

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 Expenses

Up to £10,000 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)

• Up to £1,000 for loss of or damage to golf clubs and bags during the Period of Cover. Limited to £500 in respect of hired equipment.
• Up to £25 per day up to £150 for the hire of essential golf equipment if your equipment is temporarily lost or delayed for at least 12 hours on the outward journey from the UK.

General exclusions:

• War risks, civil commotion, terrorism, radioactive contamination
• There are a number of sports, activities and winter sports that are excluded. Please see paragraph 1 in the General exclusions in the policy wording.
• Deliberate exposure to danger, influence of drugs or alcohol
• Criminal acts.
• Travel to a country or specific area or event which the Foreign and Commonwealth office or the World Health Organisation has advised the public not to travel to.
• Bankruptcy / liquidation of any tour operator, travel agent or transportation company.

Exclusions under Cancellation:

• Any medical condition existing prior to the payment of the premium unless declared to and accepted by us.
• Any additional charges incurred as a result of a delay in cancelling the booked arrangements.

Exclusions under Medical Expenses & Repatriation:

• Treatment that can reasonably wait until your return to the United Kingdom.
• Any medical condition existing prior to departure from United Kingdom unless declared to and accepted by us.
• Medical expenses incurred in the United Kingdom.
• Dental Treatment.

Exclusions under Curtailment:

• Any medical condition existing prior to departure from United Kingdom unless declared to and accepted by us.
• Any travel against any health requirements stipulated by a carrier, the handling agents or any other public transport provider.

Exclusions under Luggage & Personal Money:

• Money and valuables whilst unattended or in luggage in transit.
• Sports equipment & protective clothing.
• Mobile phones and accessories.
• Any loss not reported to the Police and supported by a Police report.
• Luggage lost or damaged whilst in the custody or control of the carrier recoverable from the carrier.
• Spectacles, sunglasses, dentures and any other aids or appliances.

Exclusions under Personal Liability:

• Pursuit of any trade, business or profession, or the ownership, possession or operation of mechanically propelled vehicles, aircraft or watercraft.
• Wilful or malicious acts or property belonging to you or in your care, custody or control.
• Injuries to employees or relatives.

Exclusions under Curtailment:

• Any medical condition existing prior to departure from United Kingdom unless declared to and accepted by us.
• Any travel against any health requirements stipulated by a carrier, the handling agents or any other public transport provider.

Exclusions under Delayed Departure:

Delays of less than 12 hours.

Exclusions under Legal Expenses:

• The pursuit of any claim against a travel agent, tour operator or carrier.
• Any claim reported more than 180 days after the incident.

Exclusions under Golf Equipment:

Any claim falling within the exclusions applying to the Luggage and Personal Money section.

Duration

• Annual policies are valid for 12 months from the day the policy starts.
• The maximum duration of any one trip on an Annual policy will be 31 days.
• The maximum duration for any one trip on a Single Trip policy will be as stated on your schedule.

Exclusions under Personal Liability:

• Pursuit of any trade, business or profession, or the ownership, possession or operation of mechanically propelled vehicles, aircraft or watercraft.
• Wilful or malicious acts or property belonging to you or in your care, custody or control.
• Injuries to employees or relatives.

Option to Cancel

• We hope that you are happy with the cover this policy provides. However, if your cover does not meet your requirements, please return all of your documents within 14 days of receipt to the issuer of this policy for a refund of your premium.
• If during this 14 days period, you have travelled, made or claim, or intend to make a claim, then we are entitled to recover all costs that you have used for those services.
• Please note that your cancellation rights are no longer valid after this initial 14 day period.

Option to Cancel

If you have a claim while on holiday:

• In the event of hospitalisation, repatriation or alteration in travel plans immediate contact must be made with FirstAssist on +44 (0)20 8763 4886.
• In all other circumstances, should you need to cancel prior to your holiday, or wish to notify a claim on your return, contact Towergate Chase Parkinson, Towergate House, PO Box 416, West Byfleet, Surrey, KT14 7YE or call on 0870 906 3144 as soon as possible.

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 the Customer Relations Office, FirstAssist Insurance Services Limited, 1 Drake Circus, Plymouth PL1 1QH. 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 and between 1st January 2009 to 31st December 2009 please see the following document for full insurance terms and conditions www.dialaflight.com/insurance/TermsAndConditions.pdf

For insurance purchased on and between 1st January 2010 to 31st December 2010 please see the following document for full insurance terms and conditions www.dialaflight.com/insurance/TermsAndConditions2010.pdf