VIVA Travel Insurance
Insurance Product Information Document
Company: Great Lakes Insurance UK Limited
Great Lakes Insurance UK Limited is a company incorporated in England and Wales with company number 13436330 and whose registered office address is 1
Fen Court, London, United Kingdom, EC3M 5BN. Great Lakes Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 955859. You can check this on the Financial Services Register by
visiting: https://register.fca.org.uk
Product: VIVA Travel Insurance - Annual Multi Trip & Single Trip - Platinum
This Insurance Product Information Document is only intended to provide a summary of the main coverage and exclusions, and is not personalised to your
specific individual needs in any way. Complete pre-contractual and contractual information on the product is provided in your policy documentation.
What is this type of insurance?
This insurance provides a package of travel insurance benefits to cover either a single trip or in respect of an annual multi-trip policy, for multiple trips,
within the geographical area and cover dates you have chosen.
What is insured? What is not insured?
✓ Emergency Medical Expenses incl 24/7 assistance - ✘ Some sections of the policy may be subject to an excess
up to £10 million unless otherwise specified in your policy. This is the
✓ Cancellation - up to £3,000 amount you pay when you make a claim.
✓ Cutting Short Your Trip - up to £3,000 ✘ Pre-existing medical conditions unless agreed.
✓ Personal Accident - up to £10,000 ✘ Travelling against medical advice or with the intention of
obtaining medical treatment abroad.
✓ Personal Possessions - up to £2,000
✘ The policy includes restrictions regarding the health of
✓ Personal Money - up to £500
close relatives and friends upon whom your trip may
✓ Passport And Other Documents - up to £500 depend, even if they are not being insured by this policy.
✓ Baggage Delay - up to £750 ✘ Certain hazardous sports and activities may not be
✓ Missed Departure - up to £1,250 covered under this policy – see policy wording for further
✓ Travel Delay and Abandonment - up to £3,000 details.
✓ Personal Liabilty - up to £2 million ✘ Personal possessions – “new for old” cover only if item
less than 1 years old.
✓ Hijack - up to £1,000
✘ You drinking too much alcohol, or any form of alcohol
✓ Legal Costs and Expenses - up to £25,000
abuse, where it is reasonably foreseeable that such
✓ Pet Care - up to £500 consumption could result in a serious impairment of
✓ COVID-19 cover - up to limits shown under the your faculties and/or judgement.
Cancellation, Curtailment and Loss of Holiday and ✘ Circumstances you were aware of before your policy was
Emergency Medical Expenses sections above issued or journey was booked (whichever is the later)
that might result in a claim.
Optional Covers: ✘ Medical treatment which can wait until you return home.
y Winter Sports ✘ Private medical treatment unless agreed by us.
y Gadget ✘ Any claim for personal possessions where you have not
y Golf taken steps to prevent loss.
y Wedding and Civil Partnership Ceremony ✘ Sea-going cruises unless the Cruise Cover option has
y Cruise been selected.
✘ Gadgets e.g. smart phones unless Gadget Cover selected.
✘ Any gadget claim where you cannot provide proof of
purchase in the form of an original printed receipt or a
similar electronic record, supplied by a tax registered
retailer.
✘ Claims arising from any epidemic or pandemic as
declared by the World Health Organisation.
✘ Claims arising from or related to any coronavirus
including but not limited to COVID-19, or any related/
mutated form of the virus. This exclusion does not apply
to COVID-19 claims under the COVID-19 cover section.
Are there any restrictions on cover?
! Only avaliable to residents of the United Kingdom
Single Trip Policies
! Maximum age is 85 years
! Maximum Trip Limit is 63 days
Annual Multi-Trip Policies
! Maximum age is 75 years
! Maximum trip limit is 45 days depending on level of cover purchased
Winter Sports Cover Option
! Maximum age is 64 years
! Up to 24 days in total under Annual Multi Trip policies
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 where the Foreign, Commonwealth & Development Office (FCDO) has
advised against all travel or all but essential travel. For further details, visit gov.uk/foreign-travel-advice
What are my obligations?
y You must be fit to undertake any trip to covered under the policy.
y Ensure the policy meets your needs.
y You must take care to protect yourself and your property.
y You must tell us as soon as reasonably possible of any event which may result in a claim.
y If you need medical assistance while abroad, you must contact us before going to a medical facility (other than a pharmacy), or as
soon as you can.
y You must ensure that you have had any recommended inoculations, vaccines (including COVID-19 where it has been offered to you)
or medications relating to your destination prior to your trip.
When and how do I pay?
You must pay when you buy the policy even if you are not travelling until a future date. You will be asked to pay in full by credit/debit
card or pre-agreed payment method.
When does the cover start and end?
Single Trip policies start when you make the premium payment and it is accepted by us. These policies end on the date of your return
from your trip as set out in the policy schedule. Annual Multi Trip policies start from the date that you request and end after 12 months.
How do I cancel the contract?
You can cancel this policy at any time. If you cancel within 14 days of receipt of policy documents, we will cancel the policy and refund
your premium in full provided that you have not already taken your trip, made a claim or intend to make a claim. To cancel the policy,
please telephone 0330 041 8266 or write to us.
VIVA-IPID-PLATINUM-0425
