AG E L IM IT

This insurance is not valid in respect of any persons aged 70 years or over at the
date of departure or in respect of any persons aged 65 or over at the date of
departure for travel in excess of 31 days.
Area 1 Area 2 -

INSURANCE POLICY

Area 3 -

This policy is for residents of the United Kingdom only

Arranged by:

W H AT T O DO I F Y O U W I SH T O M AK E A CLAI M
You can obtain a claim form online (other than for Legal Expenses) at:

Fogg Tr a vel Ins urance Ser vice s Ltd

Crow Hill Drive, Mansfield, Notts. NG19 7AE
Tel: 01623 631331 Fax: 01623 420450
Underwritten by:

www .foggtravelinsurance.com
or email to:
claims@foggtravelinsurance.com
or alternatively if You do not have internet access You can contact:
Fogg Travel Insurance Services Limited
Crow Hill Drive, Mansfield, Notts. NG19 7AE on telephone : 01623 631331
In all circumstances You should quote T r a v e l b o u n d , advising the section under
which You wish to claim.
When returning the claim form please enclose this insurance policy together with the
tour operators confirmation of booking invoice and if the claim is for cancellation, the
tour operators cancellation invoice.

ETI - International Travel Protection. The United Kingdom branch of

Europische Reiseversicherung (ERV) A.G

Valid onl y for departures betw een

1st Januar y 2015 to 31st December 2015
PO L ICY INF O RM AT IO N
This Policy Wording is to confirm that those persons who have paid the required
premium are insured under the Master Policy No ETI Travelbound 20130919 on
behalf of ETI - International Travel Protection, the United Kingdom branch of
Europische Reiseversicherung (ERV) A.G., an Ergo Group Company
incorporated and regulated under the laws of Germany, Companies House
Registration FC 25660 and Branch Registration BR 007939. ERV is authorised by
the Bundesanstalt fr Finanzdienstleistungsaufsicht (BAFIN - www.bafin.de) and
the Prudential Regulation Authority and subject to limited regulation by the
Financial Conduct Authority and Prudential Regulation Authority. Details of the
extent of Our regulation by the Prudential Regulation Authority, and regulation by
the Financial Conduct Authority are available from Us on request. Our registration
number is 220041.
Cancellation cover applies as soon as the premium has been paid and the policy
wording is issued. The remaining covers apply for the duration of the booked Trip
(or earlier return to the United Kingdom). It also includes the period of travel from
Home directly to the departure point and back Home directly afterwards not
exceeding 24 hours in each case. If the return is unavoidably delayed for an
insured reason, cover will be extended free of charge for the period of that delay.
If You are not happy with the policy, return it to T r a v e l b o u n d within 14 days of
issue and We will refund Your premium in full provided You have not made or
intend to make a claim and that We receive Your returned policy prior to Your
departure date. Cancellation at any other time will mean you are not entitled to a
refund of premium.

For Legal Expenses claims or enquiries You must notify within 180 days of the
event giving rise to Your claim to:DAS Legal Expenses Insurance Company Limited,
DAS House, Quay Side, Temple Back, BS1 6NH Tel 0117 934 0548
IM PO RT ANT PO I NT S T O NO T E
Please read Your insurance policy in full before You travel making sure You
understand exactly what We will and will not pay for under each Section.
Section A - Cancellation or Curtailment
Section B Emergency Medical Expenses
Your state of health may affect the cover provided under Your insurance. Please
refer to the Cover and Exclusions to Cover in respect of Section A, B and C and to
the Pre Existing Medical Conditions section.
Section B Emergency Medical Expenses
You must contact the 24 hour medical Emergency Service for their Doctor's
opinion prior to :
i. You being admitted to hospital or
ii. You arranging to return Home early or extend Your stay because of any
illness or injury.
Hazardous Activity
Your attention is drawn to the Definition Section and the definition of Hazardous
Activity. If you are taking part in any sport not listed please contact us to find out
whether You are covered.
Section E - Personal Baggage
Section F - Personal Money
Take due care of Your Personal Baggage and Personal Money. The vast majority
of claims under these Sections arise as a result of leaving items Unattended at
restaurants, airports and hotels etc. Lack of proper care towards Your Personal
Baggage and Personal Money will result in Your claim being turned down.
Valuables and Personal Money should not be left Unattended at any time except
when left in Your locked personal accommodation or in a safety deposit box where
possible.
In Particular please note:
i. Your policy does not cover Valuables or Personal Money when left in motor
vehicles at any time.
ii. Valuables and Personal Money must be carried in Your hand luggage when
being transported by Airlines, Coach Operators etc.
Your policy contains a single article limit on Personal Baggage and an overall
Valuables limit. Expensive items, jewellery, photographic and electronic video
equipment, etc. should be insured under Your own home insurance.
Where cover applies to items that are stolen, lost and totally destroyed they will be
replaced as new less a deduction for any wear, tear and depreciation.

We must be informed of any fact, which is likely to influence us in the

acceptance, assessment or continuance of this insurance. Failure to do so
may invalidate this insurance, leaving you with no right to make a claim.
Please refer to the Pre-existing Medical Conditions section.
PLEASE READ YOUR INSURANCE POLICY CAREFULLY.
FAILURE TO OBSERVE THE TERMS AND CONDITIONS SET OUT IN THIS
DOCUMENT MAY PREJUDICE ANY CLAIM.
SUM M ARY O F CO V ER

Policy section
A. Cancellation or curtailment
Loss of deposit

Maximum benefit
up to 3,000
up to 3,000

Excess
40
10

(See Pre-existing Medical

Conditions section)
B. Emergency medical expenses
Hospital benefit

up to 5,000,000

40

up to 200

Nil

RE CI P RO C AL H E ALT H AG R E EM E NT E U CO U NT RI E S
Travellers to European Union countries and Switzerland should obtain the European
Health Insurance Card (EHIC) or form E112. Applications for the EHIC can be made
online at www.dh.gov.uk/travellers - the quickest route, or by Telephone on 0845
606 2030, or by post application forms are available from the Post Office. This will
entitle you to benefit from the reciprocal health arrangements which exist between
European Union countries. In other countries where reciprocal health arrangements
exist all reasonable steps should be made to utilise them.
In the event of liability being accepted for a medical expense which has been
reduced by the use of an EHIC card (or other reciprocal health agreements) or
Private Health Insurance, the applicable Emergency Medical Expenses Section
excess will not be applied. This does not apply where special excess terms have
been imposed.
Should You be admitted to hospital then contact must be made with Fogg Assist
and their authority obtained in respect of any treatment not available under the
reciprocal arrangements before such treatment is provided.

(See Pre-existing Medical

Conditions section)

C. Personal accident

up to 25,000*

Nil

D. Departure delay

up to 100

Nil

up to 3,000
up to 1,000 (Area 1 500)

40
Nil

up to 1,000 (500)
up to 250

40

School property

up to 500

40

Delayed baggage

up to 250

Nil

up to 400 (250)

40

Delay cancellation
Missed departure
E. Personal baggage (under 18s)
Single article/valuable limits

F. Personal money (under 18s)

Cash limit (under 18s)

G EO G R AP H I C AL AR E AS
United Kingdom
Europe, including all countries west of the Ural Mountains, Republic of
Ireland, Iceland, Morocco, Tunisia, Turkey, the Azores, Canary Islands,
Madeira and islands in the Mediterranean.
Worldwide including the United States of America, Canada.

up to 250 (150)

Student money
Emergency fund

up to 5,000
up to 5,000

40
40

Loss of travel documents

up to 250

40

G. Personal liability

up to 2,000,000

40

H. Organisers liability

up to 5,000,000

100

I. Legal advice and expenses

up to 25,000

E XT E NS IO N O F CO V ER
1. In the event of death, injury or illness of any Insured Person travelling under this
policy, preventing any Insured Person from completing the Trip before the
expiry of this policy, cover will be automatically extended without additional
premium for the additional days necessary to complete the Trip.
2. In the event of delay to any vehicle, vessel or aircraft in which You are travelling
as a ticket holder and unable to complete the Trip before the expiry of this policy
the cover will be automatically extended without additional premium for up to 14
days for You to complete the Trip.

Nil

* please see personal accident section for details of amount of payment.

1

Cover for these conditions will only be provided following Our acceptance in writing.
Unless reported and agreed by the Referral Helpline in writing the above conditions
will be excluded and Your failure to provide full and accurate information in
response to Our questions may mean that Your policy will not cover You and it may
invalidate it altogether.
You need to keep copies of all letters We send You for future reference.
We reserve the right to charge an increased premium, decline, withdraw, increase
the policy excess, cancel or restrict cover for any person where the facts disclosed
are considered unacceptable to Us.
Should We require any additional premium, and You accept Our offer, this should
be paid to Fogg Travel either by credit card or cheque, made payable to Fogg
Travel, and sent within 14 days of receipt. Should You decide not to pay the
additional premium, the declared health condition or any other related condition will
not be covered. Full confirmation of Our terms and conditions will be sent out to
Your address after Your call. Any additional health conditions not declared to Us will
not be covered.
PLEASE NOTE. You are responsible for all costs incurred in reporting Your medical
condition to Us.
DE FI NIT IO N O F W O RD S
The following words or expressions carry the meaning shown below whenever they
appear in bold print within the wording of the policy.
ADVANCE BOOKING Any booking made at least 24 hours prior to the scheduled
departure time shown in Your ticket or booking confirmation invoice.
APPOINTED REPRESENTATIVE The Preferred Law Firm, law firm or other
suitably qualified person which DAS will appoint to act on Your behalf.
ASSURED Being the school, college, university or other group named on the
T r a v e l b o u n d confirmation of booking invoice.
CHILDREN Insured Persons under 18 years of age and in full time education
travelling as part of a school party.
CLOSE BUSINESS ASSOCIATE Your associate in the same employment as You
whose absence from work necessitates You having to cancel or Curtail Your Trip
as certified by Your Senior Director or Partner.
COSTS AND EXPENSES
(a) all reasonable and necessary costs charged by the Appointed
Representative and agreed by DAS in accordance with the DAS Standard
Terms of Appointment.
(b) the costs incurred by opponents in civil cases if the You have been ordered to
pay them, or You pay them with DAS agreement.
CURTAIL/CURTAILMENT means abandonment of the planned Trip by return to the
United Kingdom after commencement of the Outward Journey or where You
have been confined to hospital for the rest of Your Trip because of injury or
illness. The amount payable will be the unused proportion of Your irrecoverable
pre-paid charges calculated from the date of Your return to the United Kingdom.
All Curtailment claims will need authorisation from Fogg Assist or Us in advance.
CYBER-TERRORISM The use of disruptive activities, or the threat thereof, against
computers and/or networks, with the intention to cause real-world harm or severe
disruption of infrastructure.
DAS STANDARD TERMS OF APPOINTMENT the terms and conditions (including
the amount DAS will pay to Your Appointed Representative) that apply to the
relevant type of claim, which could include a conditional fee agreement (no win, no
fee).
DATE OF OCCURRENCE The date of the event that leads to a claim. If there is
more than one event arising at different times from the same originating cause, the
Date Of Occurrence is the date of the first of these events. (This is the date the
event happened, which may be before the date the Insured Person first became
aware of it).
EMERGENCY FUNDS - means bank and currency notes, cash and travellers
cheques held by a party leader only for use in case of emergency.
EXCESS The amount of money You will have to pay to contribute towards the cost
of each claim under the policy, after the application of the policy limits.
FAMILY The main Insured Person, his/her spouse or common law partner, and
their dependent Children under 18 years of age (in full time education and residing
with them).
GEOGRAPHICAL AREA The area or country to which You are booked to travel and
for which the appropriate premium has been paid, and will involve Your return to
the United Kingdom within the booked Trip period.
HAZARDOUS ACTIVITY - means any pursuit or activity where it is recognised there
is an increased risk of serious injury or can be reasonably expected to aggravate
any existing infirmity. The following activities are examples of Hazardous
Activity and are not covered by this insurance: mountaineering (requiring the use
of ropes and/or guides), pot-holing, racing (other than on foot), any form of winter
sports, scuba diving below 9 metres, parachuting, gliding, go-karting, hot-air
ballooning, any other activity that requires skill and involves increased risk of
injury, except where these form part of a published activity provided by
T r a v e l b o u n d and include where any additional premium has been paid to
provide cover for a particular activity. If You are taking part in any sport not listed
above please contact Us if You are in any doubt with full details of the activity for
Our consideration.
HOME - means Your normal place of residence in the United Kingdom.
HOME COUNTRY means both the country You live in within the United Kingdom
and Your country of nationality.
INSURED INCIDENT A specific or sudden accident that causes Your death or
bodily injury.
LEGAL EXPENSES INSURER means DAS Legal Expenses Insurance Company
Limited
MANUAL LABOUR means work involving the lifting or carrying of heavy items,
work at a higher level than two storeys or any form of work underground.
MEDICAL PRACTITIONER a fully qualified, registered and practising medical
physician, not being an Insured Person or Your Relative.
ORGANISER - the person on behalf of the school, college, university or other group
who is acting as party leader or other principal person of the whole group booking
and is included in the tour operator booking, and without whom the Trip would
not be able to take place or to continue to normal completion.
OUTWARD JOURNEY The initial journey by coach, train, aircraft or watercraft
undertaken in conjunction with the Trip in respect of the Outward Journey from
Your Home in the United Kingdom.
PAIR OR SET - means two or more items of Personal Baggage that are
complementary or used or worn together.

24 H O U R M ED IC AL EM E RG EN CY S E RV IC E
FOGG ASSIST provides immediate help in the event of Your illness or injury
arising outside the United Kingdom - they provide a 24 HOUR multi-lingual
emergency service 365 days a year and can be contacted by telephone.
If You are admitted to a hospital or clinic as an in-patient or repatriation is
necessary Our 24 Hour Emergency Medical Service must be notified as soon
as it is practical to do so, and at the latest within 48 hours before incurring
expenses in excess of 500.
Repatriation to Your Home will be arranged when this is considered to be
medically necessary in the opinion of the doctor in attendance and Our medical
advisers.

Contact the 24 hour emergency medical assistance service:

F O G G AS S I S T

Tel (44) (0)845 658 9899

You should advise them that you are insured under the scheme T r a v e l b o u n d
through ETI and have the following information ready to advise:
A contact telephone number
Name and age of patient
Location of hospital and doctors telephone number
The medical problem
When You call upon the services of Fogg Assist it is a condition of the service
that Fogg Assist shall solely be responsible for all decisions on the most suitable
and reasonable solution to any medical problem. The service includes, where
necessary:
1. Multi-lingual assistance with hospitals and doctors
2. Repatriation arrangements and necessary escorts by a medical attendant
3. Travel arrangements for other members of Your party or next-of-kin
4. On arrival in the United Kingdom, an ambulance service to hospital or Home.
(NOTE TO TREATING DOCTOR: Fogg Assist must be contacted prior to
treatment with full medical details. Failure to do this will mean medical expenses
incurred cannot be guaranteed).
In the event of Your injury or illness, We reserve the right to:
i.
move You from one hospital to another; and
ii. arrange for Your repatriation to Your Home
at any time during the journey or Trip in order to minimise the loss. We will do this
if in the opinion of the doctor in attendance and Our medical advisers, You can
safely be moved and/or can safely travel Home to continue treatment.
PR E- E X I ST ING M EDIC AL CO N DIT IO N S
You will not be covered under this policy for any medical condition, if at the time of
taking out this insurance, as far as the persons insured are aware, You or any
person on whom this insurance may depend, including any person not travelling
(see also Important below):
i. has any medical condition or on-going medical condition for which treatment
has been received or is taking medication or has visited/been referred to a
specialist or has been a hospital in-patient during the 6 months period
immediately preceding the date of issue of this insurance, or
ii. is on a hospital waiting list for treatment, or where a terminal prognosis has
been given, or
iii. is awaiting investigation, results of tests or investigation or diagnosis for a
medical condition, or
iv. is travelling against the advice of a Medical Practitioner or in order to get
treatment, or
v. is currently suffering or has previously suffered from any of the following
medical conditions :
Heart related condition, Hypertension, Arterial Disease, Kidney Disease,
Malignant Diseases (Cancer), Lung and/or Respiratory Disease (including
Asthma where in-patient hospital treatment has been received), or had a Stroke
vi. has been diagnosed as suffering from any form of psychological or psychiatric
disorder, eating disorder, mental instability, anxiety, stress or depression before
the policy was issued.
IMPORTANT
If You have answered Yes to any of the above questions We may be able to offer
some cover and may be able to cover Your health condition, although an
increased premium may be required.
You will only need to contact the Referral Helpline if you are under 18 years of age
travelling outside Europe. Persons under 18 do not need to make a declaration if
travelling in the United Kingdom or within Europe. Persons 18 and over travelling
anywhere will need to make a declaration. Please also read Change of Risk
below to see if applicable to You.
In all cases you MUST tell us about anything concerning the health of a Relative
or Close Business Associate who is not insured on this policy but may make it
necessary for You to cancel or Curtail must be advised to the Referral Helpline as
soon as possible so We can advise You if We are able to insure the additional risk
and any terms We may require.
To enable Us to consider Your health condition or that of a Relative or Close
Business Associate please contact the Referral Helpline quoting
T r a v e l b o u n d on 0845 1300 198. This will be charged as a local call from
wherever You are calling in the United Kingdom. All calls will be treated in the
strictest confidence.
Change Of Risk:- If after You have paid Your insurance premium Your health or
Your ongoing medication changes (irrespective of age or destination), or that of
any person on whom Your Trip depends You do not have to disclose this to the
Referral Helpline. Provided that You were not aware of the change in health at the
time You purchased Your policy We will cover You under the existing terms of this
policy as long as You are not travelling against the advice of a Medical
Practitioner. It is a condition of this insurance that You obtain the approval of a
Medical Practitioner before You travel should Your new condition be any of the
following:Heart related condition, Hypertension, Arterial Disease, Kidney Disease, Malignant
Diseases (Cancer), Lung and/or Respiratory Disease (including Asthma where inpatient hospital treatment has been received), Stroke, a broken or fractured bone
other than fingers, any form of psychological or psychiatric disorder, eating
disorder, mental instability, anxiety, stress or depression.
If You are no longer able to travel on the covered trip due to Your change in
medical circumstances then You would be entitled to submit a claim under
Section A - Cancellation or Curtailment should the costs not be recoverable
from elsewhere. Please see Section A Cancellation or Curtailment and What
you need to do if you wish to make a claim.

PERIOD OF INSURANCE Cancellation cover commences from the date the Trip
booking was made and the policy was issued and expires upon commencement
of the Outward Journey other than as provided for under Section D1(ii)
Cancellation Compensation.
The remaining covers commences at the beginning of the direct Outward
Journey as shown on Your booking confirmation invoice and end upon
completion of the direct Return Journey but in any event not exceeding the
period of cover for which the premium has been paid.
PERMANENT TOTAL DISABLEMENT means Permanent Total Disablement
resulting in Your permanent and absolute inability to attend to a profession,
business or gainful occupation of any kind. Where You are not in any paid
employment or paid occupations, this shall be defined as all Your usual
activities, pastimes and pursuits of any and every kind.
PERSONAL MONEY - means bank and currency notes, cash, cheques, postal
and money orders, current postage stamps, travellers cheques, coupons or
vouchers that have a monetary value and travel tickets, lift passes, passports,
all of which are for your private use.
PERSONAL BAGGAGE - means each of Your suitcases and containers of a
similar nature and their contents and articles You are wearing or carrying
including Your Valuables (as defined below).
PRE-EXISTING MEDICAL CONDITION means any serious or re-occurring
medical condition which has been previously diagnosed, investigated or treated
in any way, at any time prior to travel, even if this condition is currently
considered to be stable and under control.
PREFERRED LAW FIRM A law firm or barristers chambers DAS choose to
provide legal services. These legal specialists are chosen based on their proven
expertise to deal with claims like Yours and must comply with DAS agreed
service standard levels, which DAS audit regularly. They are appointed according
to the DAS Standard Terms of Appointment.
PUBLIC TRANSPORT means buses, coaches, internal flights or trains that run
to a published scheduled timetable.
REASONABLE PROSPECTS For civil cases, the prospects that You will recover
losses or damages (or obtain any other legal remedy that DAS have agreed to,
including an enforcement of judgement), make a successful defence or make a
successful appeal or defence of an appeal, must be at least 51%. DAS, or a
Preferred Law Firm on DAS behalf, will assess whether there are Reasonable
Prospects.
RELATIVE Mother, father, step-mother or step-father, wife, husband, spouse or
common law partner of over six months, son, daughter, legally adopted son or
daughter, step-son, step-daughter, brother, sister, step-brother, step-sister,
grandmother, grandfather, grandchild, parent-in-law, legal guardian, or son or
daughter-in-law or fianc(e).
RETURN JOURNEY The initial journey by coach, train, aircraft or watercraft
undertaken in conjunction with the Trip in respect of the Return Journey to Your
Home in the United Kingdom.
STUDENT MONEY - means bank and currency notes, cash and travellers
cheques held by a party leader on behalf of a student.
TERRORIST ACTION The actual or threatened:
1. use of force or violence against persons or property, or
2. commission of an act dangerous to human life or property, or
3. commission of an act that interferes with or disrupts an electronic or
communications system
undertaken by any person or group, whether or not acting on behalf of or in
connection with any organisation, government, power, authority or military force,
when any of the following applies :
(a) the apparent intent or effect is to intimidate or coerce a government or
business, or to disrupt any segment of the economy;
(b) the apparent intent or effect is to cause alarm, fright, fear of danger or
apprehension of public safety in one or more distinct segments of the
general public, or to intimidate or coerce one or more such segments;
(c) the reasonably apparent intent or effect is to further political, idealogical,
religious or cultural objectives, or to express support for (or opposition to) a
philosophy, ideology, religion or culture.
TRAVEL DOCUMENTS means current passports, valid visas, travel tickets,
European Health Insurance Card (EHIC) and reciprocal health form E112.
TRIP - means a holiday or journey that begins when You leave Home and ends on
your return to either (i) Your Home, or (ii) a hospital or nursing home in the
United Kingdom following Your repatriation, both during the Period of
Insurance. Any subsequent holiday or journey that starts after You have
returned Home or to a hospital or nursing home (as described above) is not
covered.
UNATTENDED - means left away from Your person where You are unable to
clearly see and are unable to get hold of Your Personal Baggage.
UNITED KINGDOM - means England, Wales, Scotland, Northern Ireland, the
Channel Islands and the Isle of Man.
VALUABLES - means cameras, photographic equipment, camcorders, video,
satellite navigation equipment, television and telecommunications equipment,
radios, cassette players, CD players, Ipods, MP3 players, audio equipment,
computers, Ipad, Tablets, Kindles, e-book readers, computer equipment/
accessories, hard drives, flash drives, computer games machines, spectacles,
prescription sun glasses, binoculars, telescopes, antiques, jewellery, watches,
furs, precious or semi-precious stones, articles made of or containing gold silver
or other precious metals, films, tapes, cassettes, cartridges, discs or Compact
Discs.
WE/OUR/US ETI - International Travel Protection, the United Kingdom branch of
Europische Reiseversicherung (ERV) A.G.
YOU/YOUR/INSURED PERSON Any person named on the T r a v e l b o u n d
confirmation of booking invoice for the holiday who is eligible to be insured and
for whom premium has been paid and in respect of a school, college or university
or other group those persons named on the list provided by the Assured to the
tour operator.
G E N ER AL E X CLU S IO N S
AP P L I C AB L E T O T HIS I N SU R AN C E PO L ICY
We shall not be liable for any claim caused by:1. (a) war, invasion, acts of foreign enemies, hostilities (whether war be declared
or not) civil war or any act condition or warlike operation incident to war
(b) warlike action by a regular or irregular military force or civilian agents, or
any action taken by any government, sovereign or other authority to hinder
or defend against an actual or expected attack.
(c) insurrection, rebellion, revolution, attempt to usurp power, or popular
uprising, or any action taken by government or martial authority in
hindering or defending against any of these
(d) discharge, explosion, or use of a weapon of mass destruction whether or
not employing nuclear fission or fusion, or chemical, biological, radioactive
or similar agents, by any party at any time for any reason

(e) Terrorist Action or any action taken by anyone to prevent real or perceived
imminent Terrorist Action or to address ongoing Terrorist Action (See
Definitions Section)
(f) Cyber-terrorism.
2. Any Pre-existing Medical Condition or health condition that has been
diagnosed, been in existence or for which you have received treatment from a
hospital or specialist consultant during the last few years or for which You are
awaiting or receiving treatment or under investigation unless We have agreed
cover in writing and any additional premium has been paid.
3. If You have not complied with the Pre-existing Medical Condition Section of
this policy unless We have agreed cover in writing and any additional premium
has been paid.
4. Any payments made or charges levied after the date of diagnosis of any change
in Your health or medication after the policy was bought unless this has been
advised to Us and any revised terms or conditions have been confirmed in
writing.
5. Cancellation or Curtailment of Your Trip due to a health condition of a person
travelling with You and included on Your booking or of a Relative or Close
Business Associate not travelling with You, where the risk attaching to that
health condition has not been accepted by Us in writing.
6. Any claim arising from any relevant information known by You at the time of
buying this policy or which occurs between booking and travel unless it has been
disclosed to Us and We have agreed in writing any terms applicable.
7. Any other financial loss of any kind.
8. Damage to, or loss or destruction of any property or any loss or expense
whatsoever arising from, or any other financial loss or any legal liability of
whatsoever nature directly or indirectly caused by or contributed to, by or arising
from:
(a) lonising radiation or contamination by radioactivity from any nuclear fuel or
from any nuclear waste from the combustion of nuclear fuel
(b) the radioactive, toxic, explosive or other hazardous properties of any
explosive nuclear assembly or nuclear component of such assembly.
9. Loss, destruction or damage directly occasioned by pressure waves caused by
aircraft and other aerial devices travelling at sonic or supersonic speeds.
10.Claims arising from flying or aerial activity of any kind (other than as a fare paying
passenger in a fully licensed passenger carrying aircraft).
11.Claims arising directly or indirectly from Your wilful, malicious or unlawful act.
12. Any claim or expense arising directly or indirectly from the failure of any
computer equipment, integrated circuits, computer chips or computer software to
correctly recognise any date change.
13. Any deliberate or criminal act by an Insured Person.
14. Manual Labour.
15. You travelling against the advice or recommendations published by the Foreign
and Commonwealth Office and applicable at the time of Your departure.
16. Air travel within 24 hours of scuba diving.
17. Any loss due to currency exchanges of any and every description.
18. Your carriers refusal to allow You to travel for whatever reason.
19.any trip of more than 31 days duration where You are aged 65 and over at the
date of departure.
20. Any reason if You are aged 70 or over.
21. The delay or cancellation of flights on the order or recommendation of any civil
authority, or at the initiative of the airline, due to atmospheric volcanic ash.
CO N DIT IO N S AP P L I CAB L E T O T HI S I N SU RAN C E P O L ICY
1. YOUR DUTY:
(a) At the time You purchase this insurance You are not aware of any
circumstances or any relevant information which are likely to cause
Cancellation or Curtailment of Your Trip. This includes any existing illness
or injury of any Relative which if this illness or injury continued or deteriorated
would mean You would have to cancel or Curtail Your Trip.
(b) You must provide full and accurate information in response to Our questions
as this will influence Us in the assessment or acceptance of Your insurance.
If You fail to do so Your insurance may be void.
(c) You must at all times act in a reasonable manner to prevent or minimise a
claim.
(d) You must check with Your doctor on the advisability of making the Trip if You
have any existing medical condition, taking into account Your chosen
destination, the climatic conditions, the stability of Your condition, the effect of
any additional drugs or vaccines necessary and the standard of the medical
services available. Cover will not be given if travel is against the advice of
Your doctor.
(e) You are not travelling specifically to receive medical treatment during Your
Trip or in the knowledge that You are likely to need treatment.
(f) Not requiring insurance for any health condition where a terminal prognosis
has been given by a registered doctor before buying this policy.
(g) Not requiring insurance for any health condition that is being investigated or
for which You are awaiting or receiving treatment in hospital at the time of
buying this policy.
(h) Obtaining any recommended vaccines, inoculations or medications prior to
Your Trip.
2. CHANGE IN RISK - If after purchasing your policy and before You depart on
Your booked trip there is a change in Your health or Your prescribed
medication You must do the following:
(a) If You are fit to travel, are not travelling against medical advice and have
not been diagnosed with any of the medical conditions as listed in the box
below under 2 (b), then You can proceed without needing to notify Us.
(b) If You are fit to travel and have been diagnosed with one or more of the
following medical conditions listed in the box below, then You must obtain
confirmation from a medical practitioner to that effect before travelling.
You do not need to notify Us.
Any Heart related condition, Hypertension, Arterial Disease, Kidney
Disease, Malignant Diseases (Cancer), Lung and/or Respiratory Disease
(including Asthma where in-patient hospital treatment has been
received), Stroke, a broken or fractured bone other than fingers, any form
of psychological or psychiatric disorder, eating disorder, mental instability,
anxiety, stress or depression.
(c) If You are advised by Your medical practitioner against travelling on
medical grounds then You must notify Us immediately. Please also see
Section A Cancellation or Curtailment and What you need to do if
you wish to make a claim.
3

vi. Reasonable additional travelling expenses incurred by You in returning to

Your Home in the United Kingdom, where such return is urgently
necessitated by the death serious illness or severe injury of Your Relative or
a Close Business Associate where such Relative or Close Business
Associate is resident in the United Kingdom
vii. The Trip being interrupted because You have been confined to hospital for
the rest of Your Trip because of injury or illness
PROVIDED THAT: If a Trip is curtailed through Your accident or illness, a
doctor at the resort or the nearest town must confirm that such Curtailment is
necessary. All Curtailment claims must be authorised in advance by the 24
Hour Medical Emergency Service detailed under Section B or by Us.
We will only pay for the unused proportion of travel or accommodation deposits or
charges which You have paid or contracted to pay and cannot recover in respect
of any part of the holiday which You are necessarily required to Curtail and
includes any reasonable additional travel and accommodation expenses that you
have paid or agreed to pay to get You Home.
You must notify the Tour Operator immediately You know the Trip is to be
cancelled, to minimise the loss as far as possible.
2. We will indemnify You against all travel or accommodation deposits or charges
which You have paid or contracted to pay before the Trip departure date, and
cannot recover in respect of any part of the holiday by the school, college,
university or other group following the necessary cancellation or Curtailment of
the whole school, college, university or other group booking as agreed by Fogg
Travel, after this insurance was bought due to the death, injury or illness of the
Organiser up to 3,000 per each Insured Person less Insurance Premiums.
PROVIDED THAT such Organiser cannot reasonably be replaced and that any
such cancellation or Curtailment of the whole school, college, university, or other
group booking is agreed by Fogg Travel prior to cancellation with the tour
operator or prior to cutting short Your Trip.
We will only pay for the unused proportion of travel or accommodation deposits or
charges which You have paid or contracted to pay and cannot recover in respect
of any part of the holiday which You are necessarily required to Curtail and
includes any reasonable additional travel and accommodation expenses that you
have paid or agreed to pay to get You Home. Any additional costs must be
agreed by Fogg Travel.
You must notify the Tour Operator immediately You know the Trip is to be
cancelled, to minimise the loss as far as possible.
What is not covered:
1. Any expense following Your disinclination to travel or to continue with Your Trip
or loss of enjoyment of Your holiday.
2. Any expense arising from circumstances which could reasonably have been
anticipated at the time You booked Your holiday.
3. Any costs in respect of any unused pre-paid travel costs when We have paid to
repatriate You under Section B - Emergency Medical Expenses section.
4. Any expense or part expense made using frequent flyer vouchers, Air Miles/Avios
vouchers or other vouchers that have no financial face value.
5. Any expense where you have not suffered any financial loss.
6. Any psychological or psychiatric disorder, eating disorder, mental instability,
anxiety, stress or depression diagnosed before the policy was issued.
7. i
Your failure to obtain the required passport or visa or ESTA.
ii. the operation of law
iii. the failure of any transport or accommodation provider, their agent or
anybody who is acting as Your agent or Your conference organiser
iv. breakdown or theft of Your motor vehicle
v. financial circumstances or unemployment except when it is due to
Redundancy that You received after obtaining this Insurance
vi. the cancellation of Your Trip by the tour operator
vii. weather conditions
viii. death of any pets or animals
ix. accident or mechanical failure of Your motor vehicle prior to Your departure
x. Your abuse or prior abuse of solvents, drugs (whether legal or otherwise) or
alcohol or You being under the influence of alcohol (where Your blood
alcohol level is greater than 200mg per 100ml or blood which is equivalent to
You being two and half times or more over the current United Kingdom
Drink Drive limit).
xi. prohibitive regulations by the Government of any country, or delay or
amendment of the booked Trip due to Government action
xii. any cancellation or Curtailment caused by work commitment or amendment
of Your holiday entitlement by Your employer.
8. No payment will be made without appropriate medical certification.
9. The cost of the Insurance Premium.
10. Any Excess shown in the Summary of Cover.
11. Cancellation or Curtailment of a trip due to the fear of an epidemic or pandemic.
12.Cancellation or Curtailment due to death, injury or illness of the Organiser
caused by any Pre-existing Medical Condition that has been diagnosed, been
in existence or for which the Organiser has received treatment from a hospital or
specialist consultant during the last few years or for which the Organiser is
awaiting or receiving treatment or under investigation unless We have agreed
cover in writing and any additional premium has been paid.
13.Cancellation or Curtailment of the booking for the whole school, college,
university or other group that has not been notified to Fogg Travel and agreed by
Us prior to cancellation with the tour operator.
14.Cancellation or Curtailment of the booking for the whole school, college,
university or other group where a replacement Organiser is and/or can be
provided.
15.Cancellation or Curtailment of the booking for the whole school, college,
university or other group due to the disinclination to travel by the Organiser
and/or replacement Organiser.
16.Any claim that is not for a school, college, university or other group.
17.Claims arising from:
a. Your intentional self-injury, suicide or attempted suicide or wilful exposure to
needless risk (except in the attempt to save a human life).
b. the influence of intoxicating liquor (where Your blood alcohol level is greater
than 200mg per 100ml or blood which is equivalent to You being two and half
times or more over the current United Kingdom Drink Drive limit) or of a
drug or drugs (unless prescribed by a Medical Practitioner, except for those
prescribed in the treatment of drug addiction) or substance or solvent abuse.
c. i. driving or being a passenger of a motor cycle, motor scooter or
mechanically assisted cycle exceeding 125cc in engine capacity during the
period of the Trip and/or
ii. motorcycling as either driver or a passenger unless the person driving
holds a current valid full motorcycle license permitting them to drive such
motorcycle, motor scooter or mechanically assisted cycle.

3. CLAIMS -YOUR DUTIES

(a) You will advise Us of any occurrence which may give rise to a claim under
this insurance in writing as soon as is reasonably possible after the date of
such occurrence and shall supply to Us all such reports and other
documents as We may reasonably require.
(b) You will give Us notice in writing immediately You or Your legal
representatives have knowledge of any impending prosecution, inquest or
fatal inquiry in connection with any occurrence for which there may be
liability under Sections G or H of this policy.
(c) You must inform the Police of all loss or theft of property within 24 hours of
discovery and obtain a copy of the Police report in support of any claim
under Sections E and F of this policy.
(d) If Personal Baggage is lost or damaged whilst in the custody of a Carrier
(i.e. Airline, Railway, Shipping Company, Bus Company, etc.), You must
notify such Carrier immediately and obtain a copy of their report and retain
Your tickets and luggage tags.
(e) You will provide full details of any House Contents and All Risks insurance
policies You may have.
(f) You will comply with the carriers conditions of carriage.
(g) You will not abandon any property to Us or Fogg Travel.
(h) You will produce your booking confirmation invoice confirming you are
insured before a claim is admitted.
(i) You will provide all necessary information and assistance we may require at
your own expense (including where necessary medical certification and
details of your National Health number or equivalent and Private Medical
Insurance).
(j) Not admitting liability for any event, paying any related fines or offering to
make any payment without our prior written consent.
4. CLAIMS - OUR RIGHTS
(a) No admission, offer, promise, payment or indemnity will be made or given by
You or on Your behalf without Our written consent.
(b) We will be entitled to take over and conduct in Your name the defence or
settlement of any claim or to prosecute in Your name to Our own benefit in
respect of any claim for indemnity or damages or otherwise, and will have
full discretion in the conduct of any proceedings or in the settlement of any
claim, and You will give all such information and assistance as We may
require.
(c) In case of illness or injury We may approach any doctor who may have
treated You during the period of three years prior to the claim, and We may
at Our own expense and upon reasonable notice to You or Your legal
personal representative, arrange for You to be medically examined as often
as required, or in the event of death have a post mortem examination of
Your body.
(d) You will supply at Your expense a doctor's certificate in the form required by
Us in support of any claim under Sections A, B or C of this policy.
(e) Subrogate against the responsible party and take proceedings in Your
name but at Our expense to recover for Our benefit the amount of any
payment made under the policy.
(f) Refuse to give You any refund of Your premium or transfer the premium,
unless you cancel this insurance within 14 days of the date of purchase but
before commencing any journey and provided that You have not made or
intend to make a claim.
5. FRAUD If any person makes any misrepresentation or concealment in
obtaining this insurance or in support of any claim this insurance will be void.
6. OTHER INSURANCES Under Sections A, B, D, E, F, G, H and I We will not
be liable in respect of any one claim where the event leading to the claim is
insured by any other existing policy or policies, except in respect of any amount
beyond that which is payable under such other policy or policies.
7. ARBITRATION If any difference shall arise as to the amount to be paid under
Sections A, B, D or G of this policy (liability otherwise being admitted), such
difference shall be referred to arbitration under the Arbitration Acts for the time
being in force. The making of an Award in such a case shall be a condition
precedent to any right of action against Us.
8. PRECEDENTS TO LIABILITY The due observance and fulfilment of the
terms, provisions, conditions and endorsements of this insurance in so far as
they relate to anything to be done or complied with by You will be a condition
precedent to Our liability to make any payment
9. JURISDICTION The parties are free to choose the Law applicable to this
Insurance Contract. Unless specifically agreed to the contrary, this insurance
will be subject to English Law.
S ECT IO N A - C AN C E LL AT IO N O R C URT AI LM ENT
What is covered:1. We will indemnify You against all travel or accommodation deposits or charges
(less insurance premiums) which You have paid or contracted to pay before the
Trip departure date and cannot recover in respect of any part of the holiday
which You are necessarily required to cancel or Curtail up to 3,000 less
Insurance Premiums as the direct result of one of the following changes in
circumstances which is beyond Your control, and of which You were unaware
at the time You booked the Trip or purchased insurance (whichever the later):
i. Your unforeseen accidental bodily injury or illness or death, or that of a
Relative or friend with whom You have arranged to travel or stay, or of Your
Relative or a Close Business Associate
ii. You or any person with whom You have arranged to travel or stay being
subject to compulsory quarantine or being summoned for Jury Service or as
a witness in a Court of Law during the period of the Trip
iii. Your redundancy (qualifying You to claim for payment under current
Redundancy Payment Legislation) or that of any person with whom You
intend to travel, and shall include Your parent(s) if You are travelling with a
group and are in full time education, provided that such notice of redundancy
is advised to Us within 14 days of its announcement
iv. Your private dwelling becoming uninhabitable following fire, storm or flood,
or Your presence being required by the Police following burglary at such
private dwelling occurring at any time after We have accepted this insurance
v. A government directive prohibiting all travel to, or recommending evacuation
from the country or area You were planning to visit or were staying, as a
result of natural disasters (such as earthquakes, fires, floods, hurricanes,
tornadoes) or epidemic(s)
4

b. You being under the influence of intoxicating liquor (where Your blood alcohol
level is greater than 200mg per 100ml or blood which is equivalent to You
being two and half times or more over the current United Kingdom Drink
Drive limit) or of a drug or drugs (unless prescribed by a Medical
Practitioner, except for those prescribed in the treatment of drug addiction)
or substance or solvent abuse
c. Psychological or psychiatric disorder, eating disorder, mental instability,
anxiety, stress or depression diagnosed before the policy was issued.
d. i. driving or being a passenger of a motor cycle, motor scooter or
mechanically assisted cycle exceeding 125cc in engine capacity during the
period of the Trip and/or
ii. motorcycling as either driver or a passenger unless the person driving
holds a current valid full motorcycle license permitting them to drive such
motorcycle, motor scooter or mechanically assisted cycle.
e. You travelling in an aircraft (other than as a passenger in a fully licensed
passenger carrying aircraft and for no other purpose).
f. Your participation in a hazardous activity except where forming part of the
published tour operator programme.
g. Pregnancy or childbirth where the expected date of birth is before, or within 14
weeks of expiry of the Period of Insurance.
W H AT T O DO I N T H E E V E NT O F A S E R IO US
M EDIC AL EM E RG EN CY
YOU WILL FIND FULL DETAILS OF YOUR 24 HOUR MEDICAL EMERGENCY
SERVICE ON PAGE 2 OF THIS POLICY. IN THE EVENT OF A SERIOUS
MEDICAL SITUATION WHILST ON HOLIDAY YOU MUST PHONE THE 24 HOUR
SERVICE ON THE TELEPHONE NUMBERS PROVIDED.

d. You travelling in an aircraft (other than as a passenger in a fully licensed

passenger carrying aircraft and for no other purpose).
e. Your participation in a hazardous activity except where forming part of the
published tour operator programme.
f. Pregnancy or childbirth where the expected date of birth is before, or within
14 weeks of expiry of the Period of Insurance. However, where the
Insurance has been effected prior to confirmation of the pregnancy by such
hospital or Registered Medical Practitioner and in the event of Your
effecting immediate cancellation of the holiday upon receipt of such
confirmation, We will indemnify You under this section.
What you need to do if you wish to make a claim:
1. Notify the travel agent/tour operator immediately, by telephone and in writing,
that You need to cancel and obtain a cancellation invoice.
2. Obtain a claim form from Fogg Travel either by internet or telephone and If
You cancel the Trip for medical reasons get Your/the patients registered
doctor to complete the medical certificate attached to the claim form. If the
Trip is cut short for medical reasons obtain a medical certificate from the
treating Medical Practitioner in the locality where the incident occurred.
3. Obtain authorisation from the 24 hour Medical Emergency Service or from
Us before incurring any expenses in cutting short Your Trip.
4. Keep receipts or account for all expenses incurred.
5. Notify Fogg Travel immediately, by telephone and in writing, that You need to
cancel or Curtail the whole school, college, university or other group booking
to obtain prior agreement.
6. Provide, together with the medical certificate attached to the claim form,
written confirmation from the Head Teacher, Bursar of the school or college
or university or other group that no alternative organiser can be provided.

What you need to do if you wish to make a claim:

1. For emergency medical assistance please see the 24 hour Emergency
Service section.
2. For non-emergency cases, visits to doctors, hospital outpatients, or pharmacy
costs You incur You must keep all receipts accounts and medical certificates.

S ECT IO N B EM E RG E N CY M ED IC AL E X P EN S E S
What is covered:
If You sustain bodily injury or suffer illness outside the United Kingdom We will
indemnify You up to the amount of 5,000,000 against the following expenses
which You necessarily incur outside the United Kingdom:
1. Emergency medical expenses including hospital charges, in-patient treatment
authorised by Us, and ambulance charges for conveyance to hospital.
2. Emergency dental treatment is included up to 250 only for the alleviation of
sudden pain, and does not apply to the provision of dentures, artificial teeth or
work involving the use of precious material.
3. Reasonable additional travelling expenses in returning to Your Home in the
United Kingdom and reasonable additional accommodation expenses beyond
the number of days booked including in the event of serious injury or illness for
which a claim is admissible under (1):
i. such expenses of one Relative or friend required on medical advice and
authorised by Us or Our 24 Hour Medical Emergency Service to remain
with or to travel to You, and
ii. the expenses of a qualified medical attendant required on medical advice to
escort You Home
4. Cost of returning Your body or ashes to Your Home in the United Kingdom or
burial abroad in the country where death occurs up to 2,500.
5. If You sustain bodily injury or suffer illness outside the United Kingdom during
the Trip resulting in admission to a hospital overseas as an in-patient, We will
pay You a benefit of 10 per complete 24 hours which You are hospitalised up
to a maximum of 200 payable to the Organiser or other authorised party
leader or Your parent only for reasonable taxi fares incurred to visit You in
hospital or other reasonable items purchased for Your stay in hospital.
What is not covered:
1. Any in-patient, additional travel expenses or costs of any kind in excess of 500
not specifically authorised by Us or Our 24 Hour Medical Emergency Service.
2. Any costs in respect of pre-paid travel costs when We have paid to repatriate
You.
3. Any claims not confirmed as medically necessary by the attending doctor or the
24 Hour Medical Emergency Service.
4. Any expense which You incur more than 12 months after the occurrence of the
injury or illness to which the claim refers.
5. Any expense which is not usual, reasonable or customary for the medical
services supplied.
6. Any expense for non-essential or on-going treatment or where treatment can be
reasonably delayed until Your return to the United Kingdom or for any form of
cardiac or organ transplant surgery or any form of cosmetic surgery unless
authorised by Us in advance of being performed or for the cost of a single-bed /
ward unless authorised by the 24 Hour Medical Emergency Service detailed
below for medical reasons only or for the service of a chiropractor, chiropodist
or osteopath or for non-medical costs.
7. The cost of replenishing supplies of any medication You were using at the start
of the Trip, or further treatment for any condition You had at the start of Your
Trip.
8. The cost of taxi fares for anyone other than the patient.
9. Telephone calls, internet use, faxes or any expenses for food or drink.
10. Any services, treatment received by You within Your Home Country under 1.
and 2. of this section.
11. Any costs incurred in the Channel Islands (under Area 1) which are recoverable
under the local health service.
12. No more than 10,000 in total under 3. and 4. of this section for Trips in
respect of Area 1.
13. Repairs to or for the provision of dentures, artificial limbs or hearing aids.
14. Prescriptions for spectacles.
15. Any dental work involving the use of precious metals.
16. Any costs for treatment, including exploratory tests, that has no relationship
with the illness or injury on which the claim is being made.
17. Your burial or cremation in Your Home Country.
18. No payment will be made without appropriate medical certification.
19. Any Land, Air or Sea Search and Rescue not supported by a written statement
from the appropriate authority involved in the search and rescue of You.
20. Any Excess shown in the Summary of Cover except when you have used the
European Health Insurance Card (EHIC) or other mutual agreement between
countries to obtain a reduction in medical costs, when this is reduced to NIL.
21.Any claims arising from:
a. Your intentional self-injury, suicide or attempted suicide or wilful exposure to
needless risk (except in the attempt to save a human life).

S ECT IO N C - P ER SO N AL AC C I D ENT
What is covered:
If You sustain bodily injury caused solely by accidental violent external and visible
means, and such bodily injury solely and directly results within twelve months in
Your death or permanent loss of limb or loss of sight or permanent total
disablement, We will pay to You benefits in accordance with the following items:
Amount of payment
Age 0 to
Age 16 to
15 years
65 years
Item 1
Death
10,000
25,000
Item 2 a Total loss of sight in one or both eyes
25,000
25,000
Item 2 b Loss of Limb: whole arm or whole hand
9,000
9,000
thumb
3,000
3,000
index finger
2,250
2,250
any other finger
900
900
Item 2 c Loss of Limb: whole leg or whole foot
7,500
7,500
big toe
750
750
any other toe
450
450
Item 2 d Loss of hearing: in both ears
6,000
6,000
in one ear
1,500
1,500
Item 3
Permanent Total Disablement after 104 weeks
except when compensation is paid under Item 2 25,000
25,000
all occurring within 12 months of the event happening.
PROVIDED THAT:
1. If You are under 16 years of age the benefit under item 1 is limited to 10,000.
2. If You are aged 66 years or over item 1 is limited to 1,000 and no compensation
will be payable under items 2 and 3.
What is not covered:
1. No compensation will be payable:
a) under more than one of the items 1, 2 or 3 and on payment of a claim under
any one of these items, all liability under this Section will cease in so far as
You are concerned.
b) in respect of claims arising from pregnancy.
c) any payment under 2 and 3 when Your age is 66 years or over at the time of
the incident.
d) without appropriate medical certification.
2. Claims arising from:
a. Your intentional self-injury, suicide or attempted suicide or wilful exposure to
needless risk (except in the attempt to save a human life).
b. the influence of intoxicating liquor (where Your blood alcohol level is greater
than 200mg per 100ml or blood which is equivalent to You being two and half
times or more over the current United Kingdom Drink Drive limit) or of a drug
or drugs (unless prescribed by a Medical Practitioner, except for those
prescribed in the treatment of drug addiction) or substance or solvent abuse.
c. psychological or psychiatric disorder, eating disorder, mental instability,
anxiety, stress or depression diagnosed before the policy was issued.
d. i. driving or being a passenger of a motor cycle, motor scooter or mechanically
assisted cycle exceeding 125cc in engine capacity during the period of the
Trip and/or
ii. motorcycling as either driver or a passenger unless the person driving holds
a current valid full motorcycle license permitting them to drive such
motorcycle, motor scooter or mechanically assisted cycle.
e. You travelling in an aircraft (other than as a passenger in a fully licensed
passenger carrying aircraft and for no other purpose).
f. Your participation in a hazardous activity except where forming part of the
published tour operator programme.
g. pregnancy or childbirth where the expected date of birth is before, or within 14
weeks of expiry of the Period of Insurance.
PLEASE NOTE: Where You are not in any paid employment or paid occupations,
this shall be defined as all Your usual activities, pastimes and pursuits of any and
every kind.
What you need to do if you wish to make a claim:
In the event of death We will require sight of an the original copy of the death
certificate. For other claims please write describing the circumstances of the
accident and its consequences, and You will be advised what further
documentation is required.
5

S ECT IO N E P ER SO N AL B AG G AG E

S ECT IO N D - T R AV E L D EL AY AN D D EL AY C AN C ELL AT IO N
AN D M IS S E D D EP AR T U R E
What is covered:
TRAVEL DELAY AND DELAY CANCELLATION
1. If as a direct result of the outbreak of strike or industrial dispute, or weather
conditions or mechanical breakdown of the coach, train, aircraft or watercraft
which has been the subject of Advance Booking by You occurring after the
date of commencement of cover, the departure time of the Outward Journey
or Return Journey takes place more than 12 hours after the scheduled
departure time appearing on Your ticket We will indemnify You as shown
below:
i. Delay Compensation - An amount of 20 for the first full 12 hours and 10
for each subsequent 12 hours up to a maximum of 100 in all OR
ii. Cancellation Compensation - if You elect to cancel the Trip after a delay
exceeding 24 hours as described above We will indemnify You in respect of
non-recoverable travel or accommodation deposits or charges paid or
contracted to be paid under Section A OR
MISSED DEPARTURE
2. If You miss Your booked scheduled departure due to Your late arrival at the
departure airport, port or international coach or rail terminal due to an accident
or mechanical breakdown of the transport in which You are travelling or Your
Public Transport is delayed or cancelled in the course of Your direct journey
to the point of international departure immediately prior to commencement of
the Outward Journey from the United Kingdom or Your direct Return
Journey to the point of departure airport, port or international coach or rail
terminal immediately prior to commencement of the Return Journey to the
United Kingdom.
We will indemnify You up to the limit of 1,000 (500 in respect of Area 1) for
additional reasonable accommodation and travel charges which You
necessarily and reasonably incur in completing the planned journey.
PROVIDED THAT:
1. Any payment We make in respect of 1i. above will be deducted from any
subsequent payment made under 1ii.
2. In respect of 1. above You must check in according to the itinerary provided
by the Tour Operator or Carrier, and obtain written confirmation of the delay
from such Tour Operator or Carrier.
3. Compensation as described in 1ii. above is only payable in respect of delays on
the Outward Journey from the United Kingdom.
4. You must allow sufficient time for Your journey in order to meet the check-in
time specified by the transport providers or agent.
5. You must produce independent evidence in writing to support any claim.
6. Our limit of liability under 1ii. will not exceed the amount of 3,000 less
Insurance premiums for Section A - Cancellation.
Payment shall not be made under both this Section and Section E in respect of
the same event.
Specific Exclusions Applying To Section D
What is not covered:
1. Circumstances which could reasonably have been anticipated at the date the
policy was issued.
2. Withdrawal from service (temporary or otherwise) of an aircraft or sea vessel or
coach or train on the recommendation or instruction of the Civil Aviation
Authority or a Port Authority or any similar body in any country.
3. Under item 1ii. in respect of any Excess shown in the Summary of Cover.
4. The cost of any accommodation, food, drink, internet use, telephone calls or
faxes.
5. Any compensation when Your tour operator has rescheduled Your flight
itinerary.
6. Any additional costs where the scheduled public transport operator has offered
reasonable alternative travel arrangements
7. Any missed departure claim following Your failure to allow sufficient time for
Your journey to the departure point to check-in by the time shown on Your
travel itinerary.
8. Any missed departure claim arising from the failure of Public Transport
services due to a strike or industrial action that started or that had been
announced before the date of Your departure from Home.
9. Any claim where You have not pre-booked, where You have a stand-by ticket
and do not have confirmed space or that is due to the aircraft being
overbooked.
10.Any claim that is due to the failure of any transport or accommodation provider,
their agent or anybody who is acting as Your agent.
11. Any claim that is due to failure to service the vehicle in accordance with the
manufacturers instructions.
12. Additional mechanical wear and tear or depreciation of the vehicle in which
You are travelling or for mileage charges other than additional fuel and oil.
13.Any travel delay compensation unless You have obtained written confirmation
from Your airline, railway company, shipping line or their handling agents that
shows the reason for the delay, the scheduled departure time and the actual
departure time of Your flight, international train or sailing.
14. Any delayed arrival compensation unless You have obtained written
confirmation from Your airline, railway company, shipping line or their handling
agents that shows the reason for the delay, the scheduled arrival time and the
actual arrival time of Your flight, international train or sailing.
15. Any missed departure claim unless You have obtained written confirmation
of the delay from the authority in attendance at the accident or breakdown
affecting the vehicle in which You were travelling.
16. Any missed departure claim unless You have obtained written confirmation of
the delay from the Public Transport provider confirming that the service did
not run on time.
What you need to do if you wish to make a claim:
1. Obtain a letter from the airline, railway company or shipping line or their
handling agents that shows (a) scheduled departure time, (b) actual departure
time, and (c) reason for the delay. You are only covered for the delay benefit if
the delay is more than 12 hours.
2. Obtain written confirmation of the delay from the authority that went to the
accident or breakdown affecting the vehicle in which You were travelling.
3. Obtain written confirmation of the delay from the Public Transport provider
confirming that the service did not run on time.

What is covered:
1. We will indemnify You up to a total of 1,000 (500 if you are under 18 years of
age) for Your Personal Baggage to cover the cost of repair of items that are
partially damaged or provide a replacement item up to the market value of the
item, based on the original purchase price and allowing for age wear and tear, if
the items are stolen, totally lost or destroyed during the Period of Insurance.
2. We will pay up to a total of 500 for school property (single article limit, Pair or
Set of articles) taken on the Trip during the Period of Insurance for which
authorised party leaders are responsible and such property is not insured
elsewhere.
3. We will pay You up to 50 to cover the purchase of essential items if Your
Personal Baggage is misplaced, lost or stolen on Your Outward Journey from
the United Kingdom for over 12 hours from the time You arrived at Your Trip
destination. If Your Personal Baggage is not returned to You after 24 hours We
will pay a further sum of up to 50 for each subsequent 12 hours. You must keep
all receipts for these items and send them in to Us with Your claim and any
amount paid will be deducted from the final claim settlement if the items are
permanently lost.
PROVIDED THAT:
1. You take all reasonable precautions for the safety of the property insured.
2. You must take all reasonable steps to recover any lost or stolen article.
3. Our liability in respect of Valuables is limited to a total amount of 250. A
camera or camcorder with all accessories, a bracelet or necklace with any
attachment and any similar Pair or Set of items will be considered as one article.
4. Any claims made in respect of temporary deprivation of Personal Baggage will
be deducted from any subsequent claim where the property insured proves to be
permanently lost. You must retain receipts for all replacement purchases and
obtain written confirmation from the Carrier confirming the delay.
5. You must retain all hire receipts, tags and baggage labels and in the event of
delay or misdirection in delivery of Your Personal Baggage, must obtain a
Property Irregularity Report from Your airline or other carrier confirming the
delay
What is not covered:
1. More than 250 for any one article, Pair or Set of any kind, whether they are
solely or jointly owned.
2. More than 250 in total for Valuables whether solely or jointly owned.
3. Loss or damage arising from wear and tear, depreciation or deterioration, dents
or defacement, any process of cleaning, repairing or restoring, atmospheric or
climatic conditions, moth or vermin, mechanical breakdown or derangement
4. Loss or theft or damage to contact or corneal lenses, sunglasses (unless
provided to You under prescription), artificial limbs, dentures, hearing aids,
prescribed medications, samples or merchandise or property used in connection
with Your business or trade, tobacco products, alcohol products, bonds,
coupons, securities, stamps or documents of any kind, vehicles or accessories,
antiques, Musical Instruments whilst in the custody of any person other than You,
pictures, pedal cycles, sports equipment whilst in use, boats and/or ancillary
equipment including windsurfing equipment and sailboards, caravan awnings,
glass, china or any other articles of a brittle or fragile nature and any damage
caused by them or their contents.
5. Loss, theft or damage to mobile telephones, SIM cards, mobile telephone
prepayment cards, lost or stolen mobile telephone call charges or mobile
telephone accessories.
6. Loss or damage to property shipped as freight or under a bill of lading.
7. Loss due to delay, detention, confiscation, requisition or damage by Customs or
other Officials or Authorities.
8. Loss or theft unless You have reported the loss or theft to the nearest Police
authority within 24 hours of discovery and You have obtained a written Police
Report .
9. Loss or theft of:
i. Valuables from an Unattended vehicle or coach
ii. All other Personal Baggage from an Unattended motor vehicle unless the
vehicle was securely closed and locked, and such property placed out of
sight in the locked boot or in a locked compartment within the vehicle and
the vehicle shows all signs of forced entry, but in any event excluding all
property insured whilst left in an Unattended motor vehicle between 2000
hours and 0800 hours local time or
iii. All other Personal Baggage from an Unattended coach unless the coach
was securely locked, and such property placed out of sight and the coach
shows signs of forced entry.
10. Theft of property left Unattended other than as provided above or whilst in Your
securely locked holiday accommodation.
13.Loss or theft of Valuables whilst in a suitcase or holdall or bag or similar
receptacle outside Your immediate control.
14.Valuables left Unattended except where they are locked in a safe or safety
deposit box where these are available or left out of sight in Your locked personal
holiday or Trip accommodation.
15.Claims will not be considered unless substantiated by an original sales receipt or
original valuation for any item, Pair or Set exceeding 100. In respect of
Valuables claims will not be considered unless an original sales receipt or preloss valuation is provided.
16.Any Excess shown in the Summary of Cover (the Excess does not apply to
temporary deprivation of Personal Baggage).
17.Loss of, or damage to, property that does not belong to You or any member of
Your family.
What you need to do if you wish to make a claim:
1. For all loss or damage claims during transit you need to (a) retain your tickets
and luggage tags, (b) report the loss or damage to the airline, railway
company, shipping line, coach company or their handling agents, and obtain a
Property Irregularity Report (PIR) form or its equivalent within 24 hours. If,
luggage is delayed longer than 12 hours on Your Outward Journey, You may
need to buy some essential items, You must keep all the receipts to prove
Your claim.
2. For all damage claims You should retain the items in case We wish to see
them. You will need to obtain an estimate for repairs or a letter confirming that
the damage is irreparable. You should keep receipts or vouchers for any items
lost or damaged as these will help to prove Your claim.
3. In the case of lost or misplaced Personal Baggage on the Outward Journey.
You must produce receipts for the purchase of essential replacement items
4. You must report all losses report to the Police as soon as possible, and within
24 hours of discovery, and obtain a written report and reference number from
them. You should also report the loss to Your tour operators representative or
hotel/apartment manager wherever appropriate.
6

Important claims condition relating to Section I

You must notify Us within 28 days of then end of Your booked Trip if You have
been required by any person or authority to disclose your personal details
following an incident whether or not You believe You were at fault. Failure to do so
may result in the su ms insured under this section being reduced by 50%..
S ECT IO N H - O RG AN IS E R S L I AB IL IT Y
What is covered:
We will indemnify You up to 5,000,000, plus costs agreed between Us in writing,
for:
1. any event occurring during the period of this insurance where the Organiser is
legally liable to pay that relate to an incident caused by the Organiser and that
results in :
(a) injury, illness or disease of any person
(b) loss of or damage to property that does not belong to the Organiser and is
not in the Organisers charge or control.
2. any liability described in 1. above falling on the Local Education Authority or, in
the case of an independent school, the governing body in place of the
Organiser.
What is not covered:
1. Any Excess shown in the Summary of Cover.
2. Any liability for loss of or damage to property or injury, illness or disease:

where an indemnity is provided to the Organiser under any other insurance.

that is for punitive or exemplary damages.

that is caused by any deliberate act or omission of the Organiser.

that is caused by the Organisers employment, profession or business other

than as part of the Organisers school duties.

that is caused by pollution in North America.

that is caused by the Organisers ownership, care, custody or control of any

animal

that falls on the Organiser by agreement and would not have done if such
agreement did not exist, any liability for injury, illness or disease suffered by
the Organiser.
3. Compensation or any other costs caused by accidents involving the Organisers
ownership, possession or control of any:
land or building or their use either by or on behalf of the Organiser other than
temporary Trip accommodation.
mechanically propelled vehicles and any trailers attached to them.
aircraft, motorised waterborne craft or sailing vessel.
firearms or incendiary devices.
4. Any claim for an incident already notified under Section G.
What you need to do if you wish to make a claim:
1. Never admit responsibility to anyone and do not agree to pay for any damage,
repair costs or compensation.
2. Keep notes of any circumstances that may become a claim so these can be
supplied to Us along with any supporting evidence We may require.
3. We are entitled to take over the defence and settlement of any claim against
you in your name.

S ECT IO N F P E RS O N AL M O N EY
What is covered:
1. We will indemnify You for an amount not exceeding 400 (250 if you are
under 18 years of age) in respect of accidental loss or theft of Personal Money
whilst on Your person, or in a safety deposit box within a hotel or bank or in
securely locked holiday accommodation.
2. We will pay up to 5,000 in total for the loss or theft of Student Money carried
by the Organiser or authorised party leader during the Period of Insurance.
3. We will pay up to 5,000 in total for the loss or theft of Emergency Funds held
by the Organiser or other authorised party leader during the Period of
Insurance.
4. If Your Travel Documents are lost or stolen outside the United Kingdom
during the Period of Insurance We will pay You up to 250 for the reasonable
additional travel and accommodation expenses You incur abroad to obtain a
replacement passport.
PROVIDED THAT:
1. You take all reasonable precautions for the safety of the property insured.
2. You must take all reasonable steps to recover any lost or stolen Personal
Money.
What is not covered:
1. More than 250 (150 if you are under 18 years of age) in total in cash or
currency whether solely or jointly owned.
2. More than 250 in total for Your lost, stolen or damaged or destroyed lift pass.
3. More than 1,000 in total in cash or currency carried by each Organiser or
authorised party leader.
4. Any claim for loss or theft where You have not notified the Police and Your
carrier or tour operators representative and obtained a written reports.
5. Loss or theft of Personal Money, Student Money, Emergency Funds or
Travel Documents that are not :

on Your person

held in a safe or safety deposit box where one is available

left out of sight in Your locked personal Trip accommodation.

6. Loss or theft of Personal Money, Student Money, Emergency Funds or
Travel Documents due to depreciation in value, currency changes or shortage
caused by any error or omission.
7. Loss or theft of travellers cheques where the bank provides a replacement
service.
8. Loss due to delay, detention, confiscation, requisition or damage by Customs or
other Officials or Authorities.
9. Any Excess shown in the Summary of Cover.
What you need to do if you wish to make a claim:
1. For all losses You should report to the Police as soon as possible, and within
24 hours of discovery, and obtain a written report and reference number from
them. You should also report the loss to Your tour operators representative
or hotel/apartment manager wherever appropriate.
2. For lost or stolen Travel Documents You will also need to get a letter from
the Consulate, airline or travel provider where You obtained a replacement
and keep all the receipts for Your travel and accommodation expenses.
3. For loss of money We will require (a) confirmation from Your UK currency
exchange of the issue of foreign currency or travellers cheques, (b)
exchange confirmations for currency changed from travellers cheques, or, (c)
where sterling is involved, documentary evidence of possession.

S ECT IO N I L EG AL E X P E N S E S
Important Cover under this section is underwritten and administered by DAS
Legal Expenses Insurance Company Limited (DAS).
What is covered:1. In the event of an Insured Incident which causes your death or bodily injury
DAS will pay up to 25,000 for the Costs and Expenses of an Appointed
Representative, to provide legal advice and where there are Reasonable
Prospects to take legal action on your behalf to recover losses or damages
against negligent third-parties.
What is not covered:Exclusions applying to this section
DAS will not pay for the following:
1. A claim where at any point, DAS or the Appointed Representative assess that
there are not Reasonable Prospects of success.
2. Any legal proceedings not dealt with by a court of law or by another body agreed
by us.
3. A claim where you have failed to notify us of the Insured Incident within a
reasonable time of it occurring and where this failure adversely affects the
Reasonable Prospects of a claim or DAS considers that DAS position has
been prejudiced.
4. An Insured Incident arising before the start, or after the end of an Insured
Journey.
5. Costs and Expenses incurred before DAS written acceptance of a claim.
6. In the event that you decide not to use the services of a Preferred Law Firm,
any Costs and Expenses in excess of those which DAS would have incurred
had you done so under DAS Standard Terms of Appointment.
7. Any claim relating to any illness or bodily injury that happens gradually or is not
caused by a specific or sudden accident.
8. Any claim relating to psychological injury or mental illness unless the condition
follows a specific or sudden accident that has caused your physical bodily injury.
9. Defending your legal rights (DAS will however, cover defending a counter-claim.)
10. Any claim relating to clinical negligence.
11. Fines, penalties, compensation or damages that a court or other authority orders
you to pay.
12. Any legal action which you take that which DAS or the Appointed
Representative have not agreed to, or where you do anything that hinders DAS
or the Appointed Representative.
13. A dispute with DAS which is not otherwise dealt with under section condition 7.
14. Costs and Expenses arising from or relating to judicial review, coroners inquest
or fatal accident inquiry.
15. Any Costs and Expenses which are incurred where the Appointed
Representative handles the claim under a contingency fee arrangement.
16. A claim against Us, DAS, Our agent, Fogg Assist, Travelbound or any tour
operator, travel agent, carrier or any provider under a tour operator package
arrangement.
17. Any claim where you are not represented by a law firm or barrister.
18. A claim relating to Deep Vein Thrombosis or its symptoms that result from an
Insured Person travelling by air.

S ECT IO N G - P E R SO N AL LI AB I L IT Y
What is covered:
We will indemnify You against all sums up to the amount of 2,000,000 which You
are legally liable in a personal capacity to pay in respect of accidents happening
during the Period of Insurance resulting in:
1. Bodily Injury, death or disease to any person not being a Relative of Yours or a
member of Your household or in Your service.
2. Damage to property not:
i. belonging to You or
ii. in the charge of or under the control of You or a Relative of Yours or a
member of Your household or of a person in Your service.
The indemnity provided by this Section extends to cover costs and expenses
recoverable by any claimant, provided they were incurred before the date (if any)
on which We paid or offered to pay either the full amount of the claim or the total
amount recoverable in respect of any one occurrence, and also to costs and
expenses incurred by You with Our written consent.
In the event of Your death Your personal representative will receive the benefit of
the cover granted by this Section.
What is not covered:
Claims arising:
1. Directly or directly out of the ownership, possession or use (other than as a
passenger having no right of control) of aircraft, model aircraft, caravans,
trailers, watercraft (other than manually propelled craft), mechanically propelled
or motorised vehicles and lifts.
2. Directly or indirectly out of the ownership, possession or use of animals or
firearms.
3. Directly or indirectly out of or incidental to Your business, trade or profession or
that of any member of Your family.
4. Out of actions between persons insured.
5. Directly or indirectly out of Your ownership of any land or buildings.
6. Out of any liability assumed under a contract unless such liability would have
attached in any event in the absence of such contract.
7. Any liability for injury, illness or disease suffered by You or any member of
Your family.
8. Any Excess shown in the Summary of Cover.
9. Any claim for an incident already notified under Section H.
What you need to do if you wish to make a claim:
1. Never admit responsibility to anyone and do not agree to pay for any damage,
repair costs or compensation.
2. Keep notes of any circumstances that may become a claim so these can be
supplied to Us along with any supporting evidence We may require.
3. We are entitled to take over the defence and settlement of any claim against
you in your name.

Specific Conditions:Additional conditions applying to this section

1. (a) On receiving a claim, if legal representation is necessary, DAS will appoint a
Preferred Law Firm or in-house lawyer as the Appointed Representative
to deal with your claim. They will try to settle your claim by negotiation
without having to go to court.
(b) If the appointed Preferred Law Firm or DAS in-house lawyer cannot
negotiate settlement of your claim and it is necessary to go to court and
legal proceedings are issued or there is a conflict of interest, then you may
choose a law firm to act as your Appointed Representative.
(c) If you choose a law firm as the Appointed Representative who is not a
Preferred Law Firm, DAS will give your choice of law firm the opportunity
to act on the same terms as a Preferred Law Firm. However if they refuse
to act on this basis, the most DAS will pay is the amount DAS would have
paid if they had agreed to DAS Standard Terms of Appointment.
(d) The Appointed Representative must co-operate with DAS at all times and
must keep DAS up to date with the progress of the claim.
2. (a) You must co-operate fully with DAS and with the Appointed
Representative.
(b) You must give the Appointed Representative any instructions that DAS
ask you to.
3. (a) You must tell DAS if anyone offers to settle a claim. You must not negotiate
or agree to a settlement without DAS written consent.
(b) If you do not accept a reasonable offer to settle a claim, DAS may refuse to
pay any further Costs and Expenses.
(c) DAS may decide to pay you the reasonable value of your claim, instead of
starting or continuing legal action. In these circumstances you must allow
DAS to take over and pursue or settle any claim on your behalf. You must
also allow DAS to pursue at DAS own expense and for DAS own benefit,
any claim for compensation against any other person and you must give
DAS all the information and help DAS need to do so.
(d) Where a settlement is made on a without-costs basis DAS will decide what
proportion of that settlement will be regarded as Costs and Expenses and
payable to DAS.
4. (a) You must instruct the Appointed Representative to have costs
and expenses taxed, assessed or audited if DAS ask for this.
(b) You must take every step to recover Costs and Expenses and court
attendance that DAS have to pay and must pay DAS any amounts that are
recovered.
5. If the Appointed Representative refuses to continue acting for you with
good reason, or if you dismiss the Appointed Representative without good
reason, the cover DAS provides will end immediately, unless DAS agree to
the appointment of another Appointed Representative. If you settle or
withdraw a claim without DAS agreement, or do not give suitable instructions
to the Appointed Representative, DAS can withdraw cover and will be
entitled to reclaim from you any Costs and Expenses DAS have paid.
7. In respect of an appeal or the defence of an appeal, you must tell DAS within
the time limits allowed that you want to appeal. Before DAS pay the Costs
and Expenses for appeals, DAS must agree that reasonable prospects
exist.
8. For an enforcement of judgment to recover money and interest due to you
after a successful claim under this section, DAS must agree that Reasonable
Prospects exist, and where an award of damages is the only legal remedy to
a dispute and the cost of pursuing legal action is likely to be more than any
award of damages, the most DAS will pay in Costs and Expenses is the
value of the likely award.
9. If there is a disagreement between you and DAS about the handling of a
claim and it is not resolved through DAS internal complaints procedure, you
can contact the Financial Ombudsman Service for help. Alternatively there is
a separate arbitration process. The arbitrator will be a barrister chosen jointly
by you and DAS. If there is a disagreement over the choice of arbitrator, DAS
will ask the Chartered Institute of Arbitrators to decide.
10. DAS may require you to obtain, at your expense, an opinion on the merits of
the claim or proceedings or on a legal principle from a legal expert. The expert
must be approved in advance by DAS and the cost agreed in writing between
you and DAS. Subject to this, DAS will pay the cost of getting the opinion if
the experts opinion indicates that it is more likely than not that you will
recover damages (or obtain any other legal remedy that DAS have agreed to)
or make a successful defence.
11. You must:
(a) keep to the terms and conditions of this section
(b) take reasonable steps to avoid and prevent claims
(c) take reasonable steps to avoid incurring unnecessary costs
(d) send everything DAS ask for, in writing.
(e) report to DAS full and factual details of any claim as soon as possible.
(f) give DAS any information DAS needs.
12. DAS will, at DAS discretion, void this section (make it invalid) from its start
date or from the date of claim, or alleged claim, or DAS will not pay the claim
if:
a) a claim you have made to obtain benefit under this section is fraudulent or
intentionally exaggerated, or
b) a false declaration or statement is made in support of a claim.
13. If any claim covered under this section is also covered by another policy, or
would have been covered if this section did not exist, DAS will only pay DAS
share of the claim even if the other insurer refuses the claim.
14. In the event of your death as a result of an Insured Incident the benefits of
this cover will attach to your personal representative (next of kin).
15. This section is governed by the law that applies in the part of the United
Kingdom, Channel Islands or Isle of Man where the insured person normally
lives. Otherwise, the law of England and Wales applies. All Acts of Parliament
mentioned in this section include equivalent laws in Scotland, Northern
Ireland, the Isle of Man and the Channel Islands as appropriate.
16. Apart from DAS, an insured person is the only person who may enforce all
or any part of this section and the rights and interests arising from or
connected with it. This means that the Contracts (Rights of Third Parties) Act
1999 does not apply to this section in relation to any third-party rights or
interest.

Eurolaw Legal Advice Service:DAS will give an Insured Person confidential legal advice over the phone on any
personal legal problem relating to Your Trip, under the laws of the member
countries of the European Union, Isle of Man, the Channel Islands, Switzerland
and Norway.
An Insured Person can contact DAS UK-based call centres 24 hours a day,
seven days a week. However, DAS may need to call the Insured Person back
depending on the enquiry. Advice about the law in England and Wales is available
24 hours a day, seven days a week. Legal advice for the other countries is
available 9am 5pm, Monday to Friday, excluding public and bank holidays. If an
Insured Person calls outside these times, DAS will call the Insured Person back.
To help check and improve service standards, DAS records all inbound and
outbound calls.
To contact the above service, phone DAS on 0117 934 2000.
DAS will not accept responsibility if the Helpline Service fails for reasons DAS
cannot control.
CO M PL AI NT S PRO C ED UR E
Any enquiry or complaint you may have regarding your policy, or a claim notified
under your policy, should be addressed to the appropriate company listed below.
Please quote T r a v e l b o u n d and Your claim number to enable the enquiry to be
dealt with speedily.
If You are not satisfied with the handling of a complaint, You should write to
the following:

FOR SECTIONS A to H
Managing Director, Fogg Travel Insurance Services Limited,
Crow Hill Drive, Mansfield, Nottinghamshire, NG19 7AE
Telephone: 01623 631331 Fax: 01623 420450
Email: complaints@foggtravelinsurance.com

FOR SECTION I LEGAL EXPENSES

Managing Director, DAS Legal Expenses Insurance Company Limited
DAS House, Quayside, Temple Back, Bristol, BS1 6NH

FOR ALL SECTIONS

If your complaint is not dealt with to your satisfaction by either of the Managing
Directors as stated above, you have the right to refer any dispute to:
The Financial Ombudsman Service,
South Quay Plaza, 183 Marsh Wall, London E14 9SR.
Telephone 0845 080 1800 Email: enquiries@financialombudsman.org.uk
Website: www.financialombudsman.org.uk but only if You have already referred
the matter to ETI International Travel Protection or DAS Legal Expenses Insurance
Company Limited for the relevant sections of the policy.
We are bound by the Financial Ombudsmans decision, but You are not. It does not
prejudice Your legal rights.

Underwritten by ETI International Travel Protection, the UK branch of Europische

Reiseversicherung AG (ERV), registered at Companies House FC 25660, BR
007939. ERV is authorised by the Bundesanstalt fr Finanzdienstleistungsaufsicht
(BAFIN - www.bafin.de) and the Prudential Regulation Authority and subject to
limited regulation by the Financial Conduct Authority and Prudential Regulation
Authority. Details of the extent of our regulation by the Prudential Regulation
Authority, and regulation by the Financial Conduct Authority are available from us on
request. Our registration number is 220041.
ETI is covered by the Financial Services Compensation Scheme (FSCS).
This means that You may be entitled to compensation from the Scheme if We are
unable to meet Our financial obligations.
Full details are available from the FSCS. ETI is registered at Companies House
FC 25660, BR 007939.
Financial Services Compensation Scheme (FSCS)
The maximum level of compensation You can receive from FSCS is 90% of the
claim without any upper limit. The contact details for FSCS are: Financial Services
Compensation Scheme, 7th Floor Lloyds Chambers, Portsoken Street, London,
E1 8BN Fax: 020 7892 7301 Website: http://www.fscs.org.uk
Fogg Travel Insurance Company Limited is authorised and regulated by the
Financial Conduct Authority. Their registration number is 307304. This can be
checked on the financial services register held on the FCAs website
(www.fca.org.uk)