Travel Insurance
Insurance Product Information Document
Fit2Travel is a trading name of Brokersure Ltd which is authorised and regulated by the Financial
Conduct Authority, FRN 501719. Registered in England & Wales, Number 06902336.
Fit2Travel is Underwritten by Travel Insurance Facilities t/a tifgroup. Registered in England
registered in England No. 322041 an is authorised and regulated by the Financial Conduct
Authority FRN 306537.
Product: Fit2Travel - Single Trip & Annual Multi-Trip Travel Insurance Policy - Silver Cover.
This is a summary of our insurance policy. You will find all the terms and conditions, along with other important
information, online and in the policy documents.
What is this type of insurance?
This is travel insurance, available on a single or multi-trip basis, with optional levels of cover. It provides cover for the
unexpected events that you hope won't happen but could occur before a trip, while travelling, and when you're on holiday, such
as needing to cancel or cut short a trip, or needing emergency medical treatment and/or repatriation while overseas.
What is insured? What is not insured?
The policy covers up to the following amounts: ✘ Deductibles apply on the Single Trip and Multi-Trip policy
and are shown in the Policy Wording - you are
✔ If you are unable to go on your trip £1,000 responsible for paying this amount in the event of a claim.
✔ If your scheduled airline stops trading £500 ✘ Existing medical conditions that you haven't told us about
✔ If you are delayed leaving your home country £100 or where we've not agreed to cover them in writing.
✔ If you miss your departure £250 ✘ Dental treatment other than to alleviate sudden pain.
✔ If you decide to abandon your trip £1,000 ✘ Trips which have begun before your policy cover start
✔ If you need emergency medical treatment £10m date.
abroad ✘ Events of situations you know about before taking out a
✔ If you are admitted to a public hospital £500 policy or booking a trip which could mean that you can't
✔ If you need emergency dental treatment £250 travel.
✔ If you need emergency medical treatment in £1,000 ✘ You taking part in activities unless stated as covered on
your home country your Policy Documentation.
✔ If you have to cut your trip short £1,000 ✘ Claims caused by alcohol, drugs or substance abuse.
✘ Natural damage (e.g. wear & tear).
✔ If your checked-in baggage is delayed £250
✘ Any trip involving a cruise unless you have paid the
✔ If your possessions are lost, stolen or £1,000 additional premium.
accidentally damaged
✔ If your cash is lost or stolen £250 ✘ Any gadget or mobile phone, unless you have purchased
the Optional Gadget Extension.
✔ If you need emergency travel documents £400
✔ If you are held legally liable for injury or
£2m
damage Are there any restrictions on
✔ If you are killed, injured or disabled following £5,000
an accident cover?
✔ If you need legal advice £10,000
✔ If a natural disaster occurs £500 ! This is a travel insurance policy and not private medical
insurance, therefore it does not cover any medical
You can add the following optional covers to the Silver expenses incurred in private facilities if adequate public
policy: facilities are available, unless specifically authorised by
us.
Winter Sports ! There is no cover for cancellation or cutting short a trip if,
Wedding extension at the start of the policy, anyone to be insured is waiting
extension
Golf extension Business extension to have any medical investigations, or the results of any
test or investigations, unless these relate to an already
Cruise extension Gadget extension diagnosed condition you've told us about.
Fishing extension ! The is no cover for valuables, money, or gadgets unless
they are on your person or, in a safe/safety deposit box or
locked in your accommodation.
! There is no cover for trips longer than 31 days one a
Silver Multi-Trip policy, unless an additional premium has
been paid to increase this duration and this is confirmed
by us in writing.
Where am I covered?
You can select the area of cover that is most appropriate for your travel plans. Cover will not apply if you travel outside the
area that you have chosen. The area you have chosen will be shown on your policy schedule.
You will not be covered if you travel to a country or region when the Foreign and Commonwealth Office has advised against
all travel or all but essential travel. For further details, visit: www.gov.uk/foreign-travel-advice.
What are my obligations?
● You must answer any pre-sale questions as truthfully and accurately as possible.
● You must read your policy carefully to ensure you have the cover you need.
● You should take reasonable care to protect yourself and your property against accident, injury, loss and damage and to
minimise any claim.
If you need medical assistance while abroad, you must call us before going to a medical facility (other than a
●
pharmacy), or as soon as you possibly can thereafter.
IfYou must let us know of any changed including any changes to medical conditions or the health of anyone on the
●
policy.
When and how do I pay?
You will need to pay your policy premium in full in order for cover to apply. Cover will not be provided if payment is
incomplete or rejected, or if the policy is cancelled.
When does the cover start and end?
Multi-trip travel insurance, covers a period of one year. Multi-trip policies start from the date that you request and end 12
months later. A Multi-trip policy can be taken out each year until anyone on the policy reaches 76 years of age.
Single trip travel insurance covers the period from the date on which you pay your premium until the return date shown in your
policy schedule.
How do I cancel the Contract?
If you find that the terms and conditions do not meet your requirements and you no longer wish to be covered by the policy,
we will refund your premium in full provided you contact us within 14 days of having paid your premium, and you have not
travelled or claimed, or intend to claim, on the policy. You can do this by calling Fit2Travel on 0330 880 1791.
We will consider a partial refund of your premiums should you wish to cancel your policy outside of the 14-day cooling off
period provided you have not travelled or claimed, or intend to make a claim, on the policy.
For Single Trip policies - If we agree to a refund, then we will refund 50% of the policy premium.
For Multi-Trip policies - If we agree to a refund, then we will refund 1/12th of the total premium you have paid, for each full
calendar month remaining on the policy from the date of cancellation.
V1 Jan 2020
