Demands and Needs Statement

easyJet Travel Insurance is typically suitable for travel customers who wish to insure themselves for medical
emergencies, delayed or missed departures, cancellation and curtailment, lost, stolen or delayed possessions, loss of
travel money and passport, personal accident, personal liability and legal expenses.
The levels of cover may vary depending on where you travel (whether in your home country or overseas).
Travel insurance does not cover everything. You should read the policy carefully to make sure it provides the cover
you need.
You may already possess alternative travel insurance for some or all of the features and benefits provided by this
Travel Insurance Policy. It is your responsibility to investigate this.
easyJet Airline Company Limited has not provided you with any recommendation or advice about whether
this product meets your specific insurance requirements.

Ref 3194TVL (1) 10/10

about our insurance services

easyJet Travel Insurance
102 George Street
Croydon CR9 6HD
1.

The Financial Conduct Authority (FCA)

The FCA is the independent watchdog that regulates financial services. Use this information to decide if our
services are right for you.

2.

Whose products do we offer?

3.

We offer products from a range of insurers.

We only offer products from a limited number of insurers.
Ask us for a list of insurers we offer insurance from.
We only offer products from a single insurer.
Which service will we provide you with?

We will advise and make a recommendation for you after we have assessed your needs for travel insurance.

You will not receive advice or a recommendation from us for travel insurance. We may ask some questions to
narrow down the selection of products that we will provide details on. You will then need to make your own
choice about how to proceed.

4.

What will you have to pay us for this service?

A fee.
No fee.

You will receive a quotation, which will tell you about any other fees relating to any particular insurance policy.
5.
Who regulates us?
easyJet Airline Company Limited is an appointed representative of Mondial Assistance (UK) Limited trading as
Allianz Global Assistance, 102 George Street, Croydon CR9 6HD which is authorised and regulated by the Financial
Conduct Authority. Mondial Assistance (UK) Limited Financial Services Register number is 311909.
Mondial Assistance (UK) Limiteds, permitted business is arranging travel insurance.
Mondial Assistance (UK) Limited also has permission to conduct the following business with regards to noninvestment insurance contracts:

Arranging

Assisting in the administration and performance of a contract of insurance.

Dealing as an agent

Making arrangements with a view to transactions

You can check this on the Financial Services Register by visiting the FCAs website www.fca.org.uk/register or by
contacting the FCA on 0800 111 6768

6.
What to do if you have a complaint
If you wish to register a complaint, please contact us:

in writing

Customer Support, Allianz Global Assistance, 102 George Street, Croydon CR9 6HD

by phone

020 8603 9853

by email

customersupport@allianz-assistance.co.uk

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service for
independent arbitration.
7. Are we covered by the Financial Services Compensation Scheme (FSCS)?
For your added protection, we are covered by the FSCS. You may be entitled to compensation from the scheme if we
cannot meet our obligations. This depends on the type of business and the circumstances of the claim.
Further information about the compensation scheme arrangements is available from the FSCS, telephone number
0800 678 1100 or 020 7741 4100, or by visiting their website at www.fscs.org.uk.

This document is available in large print, audio and Braille.

Please contact us on Phone 0871 200 0223
and we will be pleased to organise an alternative for you.
Ref 3193TVL (1) 09/14

Policy Summary: Key Information You the Customer need to be aware of

Travel Insurance
This is a Policy Summary only and does not contain the full terms and conditions of the insurance contract.
Full terms, conditions and exclusions can be found in the Policy Document, which you should also read carefully.
1. Who provides your insurance cover?
Sections 1-14 and 16 of easyJet Travel Insurance is underwritten by AGA International SA. Mondial Assistance (UK)
Limited trading as Allianz Global Assistance is the underwriters UK administrator. Our contact address is easyJet
Travel Insurance, 102 George Street, Croydon, CR9 6HD.
Section 15 is underwritten by certain underwriters at Lloyds and provided by International Passenger Protection
Limited, IPP House, 22-26 Station Road, West Wickham, Kent BR4 0PR United Kingdom.
2. What does easyJet Travel Insurance cover me for?
The policy is typically suitable for travel customers who wish to insure themselves, for medical emergencies, delayed
departures, missed departures, cancellation & curtailment, delayed possessions, lost or stolen possessions, loss of
travel money and passport, personal accident, personal liability and legal expenses.
If you have purchased annual multi-trip cover no trip must be booked to last more than 45 days.
If you have purchased one-way trip cover your policy will end 24 hours after leaving your home or pre-booked
accommodation to begin your trip.
3.

What else do I need to know about my easyJet Travel Insurance policy?

Important information about preexisting medical conditions

Significant Exclusions or Limitations

Policy Section

You will not be covered for any directly

or indirectly related claims arising from
the following if at the time of taking out
this insurance or booking your journey
(whichever is later), you;
Are being prescribed regular medication.
Have received treatment for or had a
consultation with a doctor or hospital
specialist for any medical condition in
the past 6 months.
Are being referred to, treated by or
under the care of a doctor or a hospital
specialist.
Are awaiting treatment or the results of
any tests or investigations.

Cover is not provided for:

Any claim if you travel against the advice
of a doctor.
Any claim if you know you will need
treatment while you are away.
Any claim if you have been given a
terminal prognosis.
Any claim if you were awaiting treatment
or been under investigation when your
policy was issued.
Any claim arising from a medical
condition of a person upon whose health
the journey depends if you know of the
medical condition when your policy was
issued.

Health declaration
and health
exclusions.

Significant Features & Benefits

(all benefits are per person unless
otherwise stated)

Significant Exclusions or Limitations

Policy Section

Cancellation & curtailment

We will pay up to 5,000 if you cancel your
journey before it begins, or you cut your
journey short, due to certain necessary
circumstances. The circumstances covered
are listed in the Policy Document.

Cover is not provided for:

Any claim where you are unable to comply
with the health declaration and health
exclusions.
You not wanting to travel or not enjoying
your journey.
The failure of your tour operator or airline to
provide you with transport or
accommodation.
Any incident where you do not have a
medical certificate from the doctor treating
you abroad that says you need to return
home early.

Significant Features & Benefits

(all benefits are per person unless
otherwise stated)

Significant Exclusions or Limitations

Policy Section

Emergency medical and associated

expenses
We will pay up to 15 million if you are
taken into hospital or you need to come
home early or extend your journey because
of illness or accident.

Cover is not provided for:

Any claim where you are unable to comply
with the health declaration and health
exclusions.
Travelling on a motorcycle unless the rider
has a valid driving licence and crash
helmets are worn.
Medical expenses in your home country.

In-patient benefit
We will pay up to 750 (30 per day) if you
are admitted to hospital as an in-patient, to
pay for meals, phone calls and travel.

Cover is not provided for:

Any expenses exceeding 30 per day.

Loss of passport
We will pay up to 500 for transport and
accommodation costs to get a temporary
passport, and the equivalent value of the
remaining period if it is lost or stolen on
your journey.

Cover is not provided for:

Any claim if you do not get a letter from the
consulate you reported the loss to.

Delayed personal possessions

We will pay up to 400 to purchase
essential items if your personal
possessions are delayed for more than 12
hours on your outward journey.

Cover is not provided for:

Anything which you do not have a receipt
for.
Any claim if you do not get a letter from the
carrier confirming the delay.

Personal possessions
You are covered for up to 2,000 in total if
your personal possessions are damaged
lost or stolen on your journey. 300 is the
most you can claim for a single item. 400
is the total amount you can claim for all
your valuables. A deduction may be made
for wear, tear and loss of value.

Cover is not provided for:

Any claim not supported by a police report.
Any items left unattended unless they are
locked in your accommodation or the
luggage compartment of a motor vehicle.
Valuables carried in suitcases or left in a
motor vehicle.
Damaged items if you do not keep the items
for repair or inspection.
More than 50 in total for tobacco, alcohol
and fragrances.
Personal money.

Personal money
You are covered for up to 400 if your
personal money is lost or stolen, after
collection from your bank (but not more
than 72 hours before your journey begins),
or, on your journey. Be aware that the limit
for cash is 300 while carried on you,
whether jointly owned or not.

Cover is not provided for:

Any claim not supported by a police report.
Any claim unless you provide currency
exchange receipts showing the amount.
Loss or theft of personal money unless it is
on your person, locked in a safe or safety
deposit box, or locked in your
accommodation.

Personal accident
We will pay up to 20,000 if following an
accident, your injuries lead to death, total
loss of sight / limb or permanent disability.
An accident must be caused by something
external and visible.

Cover is not provided for:

Anything caused by an illness.
Suicide.
Any more than 5,000 for death if you are
aged 15 and under at the time of the
accident.
Any claim for permanent physical disability
if you are aged 15 and under at the time of
the accident.
Any claim arising more than one year after
the original accident.

Significant Features & Benefits

(all benefits are per person unless
otherwise stated)

Significant Exclusions or Limitations

Policy Section

Missed departure
We will pay up to 1,000 for extra transport
and accommodation if you arrive at your
departure point too late to board your
booked transport due to:
public transport not running to its
timetable;
or
the vehicle you are travelling in has an
accident or breaks down.

Cover is not provided for:

Any claim unless you get a letter from the
transport provider confirming the delay or
breakdown.

Delayed departure
If your departure is delayed by more than
12 hours we will pay 35 after each full 12
hours delay (up to 200 in total). The
circumstances covered are listed in the
Policy Document.
Alternatively we will pay up to 5,000 if you
choose to abandon your journey cancel
your holiday after a 24 hour delay.

Cover is not provided for:

Any claim unless you get a letter confirming
the delay.
Anything caused by you not checking in
when you should have done.
Any delay which was announced before you
bought your policy and / travel tickets.

Personal liability
We will pay up to 2 million to cover costs
that you are legally liable for due to any of
the following that you cause during your
journey:
bodily injury of another person
loss or damage to other people's
property.

Cover is not provided for:

Any claim if you admit liability.
Any accidents caused by your possession
of any motorised or mechanical vehicle.
Anything which happens to anyone
employed by you or a relative.

10

Legal expenses
We will loan you up to 20,000 or up to
40,000 in total for all persons insured to
take legal action for compensation as a
result of your death, illness or injury during
your journey. You must pay this loan back
out of any compensation you receive.

Cover is not provided for:

Any costs not agreed by us.
Any claim against a travel agent, tour
operator, carrier or us.
Any claim not notified to us within 90 days.

11

Motor breakdown on your outward

journey
We will pay for one of the following if the
private car you are in breaks down or is
involved in an accident on the way to the
outward departure point:
The call-out charge for a repairer to come
out to your vehicle, and, up to one hour's
roadside labour charges
The charge to take the insured vehicle to
your home, specialist repairer or
franchised dealer.

Cover is not provided for:

Costs or expenses that we have not agreed
to
Costs or expenses for a journey within the
UK (unless it involves air travel)
Costs or expenses where your vehicle is:
- not serviced to the manufacturer's
recommendation
- over 15 years old
- covered under any other motoring
breakdown policy.

12

Significant Features & Benefits

(all benefits are per person unless
otherwise stated)

Significant Exclusions or Limitations

Policy Section

Business Cover
If your journey is for business reasons
the following cover also applies.

Cover is not provided for:

13

Replacement business associate

We will pay up to 1,000 for reasonable
transport and accommodation costs for a
replacement business associate in the
event of your death, injury or illness.

Cover is not provided for:

Any claim where you are unable to comply
with the health declaration and health
exclusions.

13

Business equipment and business

samples
Up to 500 for your business equipment,
and up to 250 for your business samples
that are damaged, stolen, lost or destroyed.
300 is the most you can claim for a single
item. A deduction may be made for wear,
tear and loss of value.

Cover is not provided for:

Any claim not supported by a police report.
Any items left unattended unless they are
locked in your accommodation or the
luggage compartment of a motor vehicle.
Anything which you cannot provide a receipt
or proof of ownership for.
Valuables carried in suitcases or left in a
motor vehicle.
Damaged items if you do not keep the items
for repair or inspection.

13

Golf cover
If you are going on a golf holiday the
following cover also applies.
Loss of green fees
We will pay up to 300 in total for pre-paid
green fees that you do not use because:
you cancel or cut short your journey;
you cannot play golf because of an injury
or illness during your journey.

Cover is not provided for:

14

Cover is not provided for:

Any claim where you are unable to comply
with the health declaration and health
exclusions.
You not wanting to travel or not enjoying
your journey.
The failure of your tour operator or airline to
provide you with transport or
accommodation.
Any incident where you do not have a
medical certificate from the doctor treating
you abroad that says you need to return
home early or you are unable to play golf
because of your illness / injury.

14

Delayed golf equipment

We will pay up to 250 in total to hire golf
equipment, if yours are delayed on the
outward journey for more than 12 hours.

Cover is not provided for:

Any claim if you do not get a letter from the
carrier confirming the delay.
Any claim if you do not provide receipts for
the hired equipment.

14

Golf equipment
We will pay up to 1,000 in total for your
golf equipment if it is lost, stolen or
destroyed during your journey. 300 is the
most you can claim for a single item.

Cover is not provided for:

Any claim not supported by a police report.
Any items left unattended unless they are
locked in your accommodation or the
luggage compartment of a motor vehicle.
Anything which you cannot provide a receipt
or proof of ownership for.
Damaged items if you do not keep the items
for repair or inspection.

14

Scheduled airline failure cover

We will pay up to 350 in total for
irrecoverable costs paid to easyJet in the
event they become insolvent and you
cannot use your pre-paid flight tickets. This
includes the necessary purchase of
alternative flight tickets if this occurs during
your journey.

Cover is not provided for:

Flights booked through an airline other than
easyJet.
Any claim if easyJet became insolvent or
threat of insolvency was known at he date
your policy or tickets were bought
(whichever is the later).
Claims submitted after six months of the
financial failure.

15

Extra covers
Winter sports cover
In respect of both Single Trip and Annual
Multi Trip policies, Winter Sports cover is
provided only upon payment of the required
additional premium.

What is not covered

Policy Section(s)
16

For Annual Multi Trip policies, payment of

the additional premium will provide up to
28 days cover in total during the Period of
Insurance shown on your Travel Insurance
Schedule
Loss of ski pack
We will pay up to 250 in total for hired ski
equipment, ski school fees and lift passes
that you do not use because:
you cancel or cut short your journey;
you cannot ski because of an injury or
illness during your journey.

Cover is not provided for:

Any claim where you are unable to comply
with the health declaration and health
exclusions.
You not wanting to travel or not enjoying
your journey.
The failure of your tour operator or airline to
provide you with transport or
accommodation.
Any incident where you do not have a
medical certificate from the doctor treating
you abroad that says you need to return
home early or you are unable to ski
because of your illness / injury.

16

Delayed ski equipment

We will pay up to 250 in total to hire ski
equipment, if yours are delayed on the
outward journey for more than 12 hours.

Cover is not provided for:

Any claim if you do not get a letter from the
carrier confirming the delay.
Any claim if you do not provide receipts for
the hired equipment.

16

Ski equipment
We will pay up to 500 in total for your ski
equipment, and up to 250 in total for hired
ski equipment if they are lost, stolen or
destroyed during your journey. 300 is the
most you can claim for a single item.

Cover is not provided for:

Any claim not supported by a police report.
Any items left unattended unless they are
locked in your accommodation or the
luggage compartment of a motor vehicle.
Anything which you cannot provide a receipt
or proof of ownership for.
Damaged items if you do not keep the items
for repair or inspection.

16

Piste closure
We will pay 20 per day up to 250 in
total if you cannot ski at the ski resort you
booked before your journey because there
is not enough snow and the ski lifts and ski
schools are closed.

Cover is not provided for:

Any claim if you do not get a letter from the
ski-lift operators confirming the piste
closure.
Any claim if the ski lifts and schools are
closed for any other reason.

16

Avalanche closure
We will pay 200 in total for extra
accommodation to get you to your
destination or back home because of an
avalanche.

Cover is not provided for:

Any claim if you do not get a letter from the
relevant authority confirming the avalanche.

16

Significant Features

What is not covered

Policy Section(s)

Excess

Under some sections of the policy, you will

have to pay an excess. This means that you
will be responsible for paying the first part of
the claim for each incident. We will deduct
one excess for each person insured, for
each section of the policy, for each incident.
The excess amount is 50 for Sections 1, 2,
5, 6, 8, 9, 13, 14 and 16

1, 2, 5, 6, 8, 9, 13, 14
and 16

Consequential expenses

Any loss caused as a direct or indirect

result of anything you are claiming for,
including loss of earnings or loss of
enjoyment.

General Exclusions

4.
What is the duration of the contract?
Your policy will run from the dates shown on your policy schedule once your policy is issued.
5. Do I need to do anything after I have purchased the policy?
Please remember that it is your responsibility to regularly review your level of cover to ensure it remains adequate.
Before you travel you must tell us about any change in your circumstances, which may affect your cover. It is very
important to tell us about any changes in medical conditions.
6. What Cancellation Rights do you have?
If your cover does not meet your requirements, please notify us within 14 days of receiving your certificate of
insurance and return all your documents for a refund of your premium.
If you purchased your insurance at the same time as your easyJet flight, you should contact easyJet Travel Insurance
online at www.easyJet.com by using the manage bookings facility located on the home page. If you purchased your
insurance separately on the easyJet website, you can write to easyJet Travel Insurance at 102 George Street,
Croydon CR9 6HD. Telephone 0871 200 0223.
If during this 14 day period you have travelled, made a claim, or intend to make a claim then we are entitled to
recover all costs that you have used for those services.
Please note that your cancellation rights are no longer valid after this initial 14 day period.
7. How do I make a claim?
If you need medical assistance, please call our 24 hour medical emergency service from within your home country on
020 8603 9693 or from outside your home country on +44 20 8603 9693.
If you need our 24 hour legal helpline, please call from within your home country on 020 8603 9804 or from outside
your home country on +44 20 8603 9804.
If you motor breakdown assistance, please call our 24 hour helpline by phoning the 020 8603 9929.
For all other claims under sections 1-14 and 16, please visit the website www.azgatravelclaims.com to download a
claim form. You can also call 020 8603 9692 and ask for a claim form.
For claims under section 15, either visit the IPP website at www.ipplondon.co.uk and download a claim form and post
this to IPP Claims Office, IPP House, 22-26 Station Road, West Wickham, Kent BR4 0PR United Kingdom or write to
IPP Claims Office, IPP House, 22-26 Station Road, West Wickham, Kent BR4 0PR United Kingdom. Phone
UK +44 (0)20 8776 3752 Fax UK +44 (0)20 8776 3751 Email info@ipplondon.co.uk Website www.ipplondon.co.uk

8. What to do if you have a complaint?

Should you wish to express a complaint about this policy then please write to:

For sections 1-14 and 16

Customer Support, Allianz Global Assistance, 102 George Street, Croydon CR9 6HD United Kingdom
Telephone: 020 8603 9853 Email: customersupport@allianz-assistance.co.uk

For section 15
The Claims Manager, IPP Claims Office, IPP House, 22-26 Station Road, West Wickham, Kent BR4 0PR
United Kingdom.
Having followed the above procedure, if you are still not satisfied with the response you may write to:
Policyholder and Market Assistance, Lloyds, One Lime Street, London EC3N 7HA.

If you are not satisfied with our final response you can refer the matter to the Financial Ombudsman Service for
independent arbitration.
9. Is the insurer covered by the Financial Services Compensation Scheme (FSCS)?
For your added protection, the insurer is covered by the FSCS. You may be entitled to compensation from the
scheme if the insurer cannot meet its obligations. This depends on the type of business and the circumstances of the
claim.
Insurance cover provides protection for 90% of the claim, with no upper limit.
Further information about the compensation scheme arrangements is available from the FSCS, telephone number
0800 678 1100 or 020 7741 4100, or by visiting their website at www.fscs.org.uk.

This document is available in large print, audio and Braille.

Please contact us on
Phone 0871 200 0223
and we will be pleased to organise an alternative for you.

3192TVL (1) 09/14

Travel Insurance Policy

Cover is for residents of the UK, Channel Islands or Isle of Man only.
The policy does not cover claims relating to existing medical conditions.

Health declaration and health exclusions

These apply to the cancellation or curtailment charges, Emergency medical and associated expenses and Personal
accident sections.
It is very important that you read the following.
Exclusions relating to your health
1
You will not be covered for any directly or indirectly related claims (see note at the end of this section) arising
from the following if at the time of taking out this insurance or booking your journey (whichever is later), you:
a are being prescribed regular medication;
b have received treatment for or had a consultation with a doctor or hospital specialist for any medical
condition in the past 6 months;
c are being referred to, treated by or under the care of a doctor or a hospital specialist;
d are awaiting treatment or the results of any tests or investigations.
2
You will not be covered if you travel against the advice of a doctor or where you would have been if you had
sought their advice before beginning your journey.
3
You will not be covered if you know you will need medical treatment or consultation at any medical facility
during your journey.
4
You will not be covered for any directly or indirectly related claim if, before your journey, a doctor diagnosed
that you have a terminal condition.
5
You will not be covered if you were waiting for medical treatment or consultation at any medical facility or were
under investigation for a medical condition when your policy was issued.
6
You will not be covered if you are traveling specifically for the purpose of obtaining and / or receiving any
elective surgery, procedure or hospital treatment.
If we are unable to cover a medical condition, this will mean that any other person insured by us will not be able to
make a claim arising from the medical condition(s). This may even apply if the person with the medical condition(s)
purchases cover from another provider.
Exclusions relating to the health of someone not insured on this policy, but whose health may affect your
decision whether to take or continue with your journey
You will not be covered for any directly or indirectly related claims (see note at the end of this section) arising from
the health of a travelling companion, someone you were going to stay with, a close relative or a business associate
if at the time your policy was issued:
you were aware they have been receiving medical treatment or consultation at any medical facility for a
medical condition in the last 12 months;
you were aware they have been awaiting medical treatment or consultation at any medical facility or have been
under investigation for a medical condition;
you were aware that a doctor had diagnosed them as having a terminal condition, or that their medical
condition was likely to get worse in the next 12 months.
Note
Indirectly related claims
An indirectly related claim means a medical problem that is more likely to happen because of another medical
problem you already have. Sometimes these conditions can lead to the development of other conditions. For
example if you:
suffer from asthma, chronic obstructive pulmonary disease or other lung disease, you are more likely to
get a chest infection.
have high blood pressure, high cholesterol or diabetes, you are more likely to have a heart attack or a
stroke.
have osteoporosis, you are more likely to break or fracture a bone.
have or have had cancer, you are more likely to suffer with a secondary cancer.
Level of medical cover provided
This is not a private medical insurance policy and only gives cover for emergency medical treatment in the event
of accident or unexpected illness occurring during your journey.

Important telephone numbers

Customer Services:

0871 200 0223

24hr emergency medical assistance (for medical

emergencies or curtailment requests):
Outside your home country:
Within your home country:

+44 20 8603 9693

020 8603 9693

24hr Legal expenses helpline:

Outside your home country:
Within your home country:

+44 20 8603 9804

020 8603 9804

24hr motor breakdown helpline:

020 8603 9929

Claims (Sections 1-14 and 16):

020 8603 9692

Claims (Section 15)

+44 20 8776 3752

020 8776 3752

Outside your home country:

Within your home country:

In a life or death situation call the emergency services in the country you are visiting for example 112 within the
European Union or 911 in the USA.

Contents
Summary of cover
Important information
Definition of words
24-hour emergency medical assistance
Reciprocal health arrangements
Health declaration and health exclusions
General exclusions
Conditions
Making a claim
Making a complaint
Cancellation or curtailment charges Section 1
Emergency medical and associated expenses Section 2
Loss of passport Section 3
Delayed personal possessions Section 4
Personal possessions Section 5
Personal money Section 6
Personal accident Section 7
Missed departure Section 8
Delayed departure Section 9
Personal liability Section 10
Legal expenses Section 11
Motor breakdown on your outward journey - Section 12
Business cover - Section 13
Golf cover - Section 14
Scheduled airline failure cover - Section 15
Winter sports cover Section 16

Page
3
4-5
5-8
8
9
9
10
10
11-13
13
13-14
15-16
16
17
17
18
18
19
19
20
21
22
22
23
23
24

Summary of cover
The following is only a summary of the main cover limits. You should read the rest of this policy for the full terms and
conditions.
Cover
Cancellation or curtailment
- Excursions
Emergency medical and associated expenses
- In-patient benefit
- Dental
- Funeral expenses
- Excursions
Loss of passport
Delayed personal possessions
Personal possessions
- Single item, pair or set
- Valuables limit
- Tobacco, alcohol, fragrances limit
Personal money
- Cash limit
Personal accident
Missed departure
Delayed departure
- Delay
- Abandonment
Personal liability
Legal expenses
Motor breakdown on the outward journey
- Breakdown
- Recovery
Business cover
- Replacement business associate
- Business equipment
(Single item, pair or set)
- Business samples
Golf cover
- Loss green fees
- Delayed golf equipment
- Golf equipment
(Single item)
Scheduled airline failure cover
Additional covers
Winter sports cover
Ski pack
Delayed ski equipment
Loss, theft or damage to ski equipment (own)
- Single item, pair or set
Loss, theft or damage to ski equipment (hired)
- Single item, pair or set
Piste closure
Avalanche closure

Maximum amount we will pay

5,000
150
15 million
750 (30 a day)
1,000
1,500
150
500
400
2,000
300
400
50
400
300
20,000
1,000

Excess
50

200 (35 each 12 hours)

5,000 (after 24 hour)
2 million
20,000

No excess
50
No excess
No excess
No excess

50

No excess
No excess
50

50
No excess
50

Call-out charge and 1 hour labour

Towing costs
1,000
500
300
250

50
50

300
250
1,000
300
350

50
No excess
50

250
250
500
300
250
300
250 (20 a day)
200

No excess
No excess
50

50

No excess

50
No excess
No excess

Note
Inner limits
Some sections of cover also have extra sub limits, for example the personal accident section has a benefit limit
depending on the age of the insured person.
Journey limits (annual multi-trip cover only)
Annual multi-trip cover is for short trips of 45 days or less per trip only. There is absolutely no cover offered by
this policy whatsoever for trips which are longer than the 45 days per trip. This would include not insuring you
for any part of a trip that is longer than 45 days in duration.
Maximum amount we will pay
The most we will pay for each insured person for each journey, unless it says otherwise.
Proof of ownership
We will need an original receipt, reasonable proof of ownership or an insurance valuation for all items claimed
for. Where these are not available the most we will pay is up to 300 in total for all such items
Excess
Under certain sections of the policy, we will deduct an amount otherwise payable under this policy for each
person insured, for each section, for each claim incident.

Important information
Thank you for taking out easyJet travel insurance with us.
Your policy schedule shows the sections of the policy you have chosen, the people who are covered and any special
terms or conditions that may apply.
Your policy does not cover everything. You should read this policy carefully to make sure it provides the cover you
need. If there is anything you do not understand, you should call easyJet travel insurance on 0871 200 0223 or write
to us at 102 George Street, Croydon, CR9 6HD.
Insurer
Sections 1-14 and 16 of your easyJet travel insurance is underwritten by AGA International SA and administered in
the United Kingdom by Allianz Global Assistance.
Section 15 is underwritten by certain underwriters at Lloyds and provided by International Passenger Protection
Limited.
How your policy works
Your policy and policy schedule is a contract between you and us. We will pay for any claim you make which is
covered by this policy and happens during the period of insurance.
Unless specifically mentioned, the benefits and exclusions within each section apply to each person insured.
Certain words have a special meaning as shown under the heading Definition of words. These words have been
highlighted by the use of bold print throughout the policy document.
Information you need to tell us
There is certain information that we need to know as it may affect the terms of the insurance cover we can offer you.
You must, to the best of your knowledge, give accurate answers to the questions we ask when you buy your
easyJet travel insurance policy. If you do not answer the questions truthfully it could result in your policy being
invalid and could mean that all or part of a claim may not be paid.
If you think you may have given us any incorrect answers, or if you want any help, please call 0871 200 0223 as
soon as possible and we will be able to tell you if we can still offer you cover.
Cancellation rights
If your cover does not meet your requirements, please notify us within 14 days of receiving your policy schedule
and return all your documents for a refund of your premium.
If you purchased your insurance at the same time as your easyJet flight, you should contact easyJet Travel
Insurance online at www.easyJet.com by using the manage bookings facility located on the home page. If you
purchased your insurance separately on the easyJet website, you can write to easyJet Travel Insurance at
102 George Street, Croydon CR9 6HD Telephone 0871 200 0223.
If during this 14 day period you have travelled, made a claim or intend to make a claim then we can recover all costs
that you have used for those services.
Please note that your cancellation rights are no longer valid after this initial 14 day period.
Policy excess
Under some sections of your policy, you will have to pay an excess. This means that you will be responsible for
paying the first part of the claim for each person insured, for each section, for each claim incident. The amount you
have to pay is the excess.
Data protection
Information about your policy may be shared between easyJet plc, us and the insurer for underwriting and
administration purposes.
You should understand that the sensitive health and other information you provide will be used by us, our
representatives (if appropriate), the insurer, other insurers and industry governing bodies and regulators to process
your insurance, handle claims and prevent fraud. In certain circumstances, such as in the event of a medical
emergency, this may involve transferring information about you to countries that may have limited or no data
protection laws. We always take steps to ensure your information is held securely.
Your information may be used by us, the insurer and members of The Allianz Group and shared with easyJet plc for
marketing and research purposes, or to inform you from time to time about new products or services. If you do not want
to receive marketing information please write to us at 102 George Street, Croydon CR9 6HD. You have the right to
access your personal records.

Financial Services Compensation Scheme (FSCS)

For your added protection, the insurer is covered by the FSCS. You may be entitled to compensation from the
scheme if the insurer cannot meet its obligations. This depends on the type of business and the circumstances of
the claim.
Insurance cover provides protection for 90% of the claim, with no upper limit.
Further information about the compensation scheme arrangements is available from the FSCS, telephone number
0800 678 1100 or 020 7741 4100, or by visiting their website at www.fscs.org.uk.
Governing law
Unless agreed otherwise, English law will apply and all communications and documentation in relation to this policy
will be in English. In the event of a dispute concerning this policy the English courts shall have exclusive jurisdiction.
Contracts (Rights of Third Parties) Act 1999
We, the insurer and you do not intend any term of this contract to be enforceable by any third party pursuant to the
Contracts (Rights of Third Parties) Act 1999.
Renewal of your insurance cover
If you have annual multi-trip cover, we will send you a renewal notice at least 21 days prior to the expiry of the
period of insurance as shown on your policy schedule. We may vary the terms of your cover and the premium
rates at the renewal date.
This means we cannot guarantee that we will be able to provide the same terms of cover on your renewed policy or
even renew it at all. If you book a journey that does not start until after the expiry date of your policy, you may find
that the cover provided for that journey will change when the policy renews.

Definition of words
When the following words and phrases appear in the policy document or policy schedule, they have the meanings
given below. These words are highlighted by the use of bold print.
Accident
An unexpected event caused by something external and visible, which results in physical bodily injury, leading to total
and permanent loss of sight, total and permanent loss of use of a limb or permanent disablement or death, within a
year of the incident.
Appointed adviser
The solicitor or appropriately qualified person, firm or company, including us, who is chosen to act for you in your
claim for compensation.
Area of cover
You will not be covered if you travel outside the area you have chosen as shown on your policy schedule.

UK, the Channel Islands and the Isle of Man

Europe
UK, Continental Europe, Mediterranean islands, the Channel Islands, Morocco, Algeria, Tunisia, Libya, Egypt,
the Isle of Man, Turkey, Madeira, Canary Islands, the Azores, the Republic of Ireland, Iceland, Russia, Estonia,
Latvia, Lithuania, Belarus, Ukraine, Moldova and Georgia.
Business associate
Any person in your home country that you work closely with, whose absence from work means that the director of
your business needs you to cancel or curtail your journey.
Business equipment
Computer, television, fax and phone equipment (including mobile phones) PDAs, and any other equipment which is
needed to carry out your business duties.
Business samples
Demonstration goods or examples of goods sold by your company.
Channel Islands
Jersey, Guernsey, Sark, Alderney and Herm.
Couple
For annual multi trip cover, two adults aged 64 and under who have been permanently living together at the same
address for more than six months. Each person insured can travel independently.
Departure point
The airport, international train station or port where your outward journey to your destination begins and where your
final journey back home begins (including any connecting transport you take later)
Doctor
A legally qualified doctor holding the necessary certification in the country in which they are currently practising, other
than you or a relative.
Excess
The deduction we will make from the amount otherwise payable under this policy for each person insured, for each
section, for each claim incident. For example a couple that both have personal possessions stolen from their bag
and both incur a medical expense during the same journey, will have a total of four excesses deducted. Two of
these will be for the two claims under section 5 (possessions) and two of these will be for the two claims under
section 2 (medical).

Family
For annual multi-trip cover, two adults aged 64 and under and all of their children (including foster children) aged 16
and under if in full time education. All persons must live at the same address. Each person insured can travel
independently.
Golf equipment
Golf clubs, golf bag, golf trolley and golf shoes.
Hazardous activity
The following activities are automatically covered:

banana boating, cricket, cycling, deep sea fishing, fell walking, glacier walking, golf, hiking, horse riding (not
competitions, show jumping, hunting, eventing, polo or rodeo), jet skiing, marathon running, mountain biking,
netball, orienteering, parascending over water, ringos, running, safari trekking in a vehicle (must be an
organised tour), scuba diving to a depth of 30 metres (if you hold a certificate of proficiency or you are diving
with a qualified instructor), snorkelling, surfing, swimming, trekking, wakeboarding, walking, water skiing,
windsurfing and zorbing.
There is no cover for:

any professional sporting activity; or

any kind of racing except racing on foot; or

any kind of manual work.

We may be able to cover you for other activities that are not listed. Please contact easyJet travel insurance on
0871 200 0223. An extra premium may need to be paid.
Home
The place you usually live in the UK, the Channel Islands or the Isle of Man.
Insurer

For sections 1-14 and 16

AGA International SA

For section 15
Certain underwriters at Lloyds and provided by International Passenger Protection Limited.

Journey
A trip that takes place during the period of insurance which begins when you leave home and ends when you get
back home or to a hospital or nursing home in your home country, whichever is earlier.

For single trip cover

- any other trip which begins after you get back is not covered.
- a trip which is booked to last longer than 31 days is not covered.

For annual multi-trip cover

- you will only be covered if you are aged 64 or under at the start date of your policy.
- cover is for short trips of 45 days or less per trip only. There is absolutely no cover offered by this policy
whatsoever for trips which are longer than the 45 days per trip. This would include not insuring you for any
part of a trip that is longer than 45 days in duration.
- trips within your home country must be for at least 2 nights and have:
i
pre-booked transport or accommodation; or
ii be more than 25 miles from your home (unless it involves a sea crossing).
you will be covered for taking part in winter sports activities for up to 28 days in total during the period
of insurance, when extra premium has been paid and this is shown on your policy schedule.

For one-way trip cover

- you will only be covered for a period of 24 hours from when you leave your home or temporary
pre-booked journey accommodation to begin your journey.

Legal action
Work carried out to support a claim that we have agreed to. This includes settlement negotiations, hearings in a civil
court, arbitration and any appeals resulting from such hearings other than an application by you:

to the European Court of Justice, European Court of Human Rights or similar International body; or

to enforce a judgment or legally binding decision.

Legal costs
Fees, costs and expenses (including Value Added Tax or the equivalent local goods and services tax) which we
agree to pay for you in connection with legal action. Also, any costs which you are ordered to pay by a court or
arbitrator (other than damages, fines and penalties) or any other costs we agree to pay.
Overseas
Outside of England, Scotland, Wales and Northern Ireland.
Pair or set
A number of items of personal possessions (not including ski equipment or golf equipment) that belong together
or can be used together.

Period of insurance

For single trip cover

Cancellation cover begins from the issue date shown on your policy schedule and ends at the beginning of
your journey. The cover for all other sections starts at the beginning of your journey and finishes at the end
of your journey.

For annual multi-trip cover

Cancellation cover begins on the start date shown on your policy schedule or the date you booked your
journey, whichever is the later and ends at the beginning of your journey. The cover for all other sections
starts at the beginning of your journey and finishes at the end of your journey. The cover under the personal
money section starts when the money is collected from your bank, or 72 hours before the start of your journey
(whichever is the later) and finishes at the end of your journey.

For one-way trip cover

Cancellation cover begins from the issue date shown on your policy schedule and ends at the beginning of
your journey. The cover for all other sections starts when you leave your home or temporary pre-booked
journey accommodation to begin your journey and finishes 24 hours later.

For single trip, annual multi-trip cover and one-way trip cover
All cover ends on the expiry date shown on your policy schedule, unless you cannot finish your journey as
planned because of death, injury or illness or there is a delay to the public transport system that cannot be
avoided. In these circumstances, we will extend cover free of charge until you can reasonably finish that
journey.

Personal money
Cash, cheques, postal and money orders, current postage stamps, travellers cheques, coupons or vouchers which
have a monetary value, admission tickets and travel tickets, all held for private and not business purposes.
Personal possessions
Each of your suitcases, trunks and similar containers (including their contents) and articles worn or carried by you
(including your valuables).
Redundancy
Loss of permanent paid employment (except voluntary redundancy), after a continuous working period of two years
with the same employer if you are aged 18 and over or 65 and under.
Relative
Your mother (in-law), father (in-law), step parent (in-law), sister (in-law), brother (in-law), wife, husband, son (in-law),
daughter (in-law), step child, foster child, grandparent, grandchild, uncle, aunt, nephew, niece, cousin, partner
(including common law and civil partnerships) or fianc(e).
Resident
A person who has their main home and is registered with a doctor in the UK, the Channel Islands or the Isle of
Man and has not spent more than six months abroad during the year before the policy was issued.
Single parent family
For annual multi-trip cover, one adult aged 64 and under and all of their children (including foster children) aged 16
and under if in full time education. All persons must live at the same address. Each person insured can travel
independently.
Ski equipment
This consists of skis, poles, boots, bindings, snowboards or ice skates.
Ski pack
Hired ski equipment, ski school fees and lift passes.
Travelling companion
Any person that has booked to travel with you on your journey.
United Kingdom (UK)
England, Scotland, Wales and Northern Ireland.
Valuables
Jewellery, watches, items made of or containing precious metals or semi/precious stones, furs, binoculars,
telescopes, computer games, any kind of photographic, audio, video, computer, television, fax and phone equipment
(including mobile phones), MP3 players, PDAs, electronic games, TVs and CDs, mini discs, DVDs, cartridges, video
and audio tapes.
We, our, us

For sections 1-14 and 16

Mondial Assistance (UK) Limited trading as Allianz Global Assistance which administers the insurance on
behalf of the insurer of these sections.

For section 15
International Passenger Protection Limited who provide the insurance on behalf of the insurer of this section.

Winter sports
The following activities are covered if winter sports cover is shown on your policy schedule:

Skiing, snowboarding, big-foot skiing, cross-country skiing, glacier skiing, mono-skiing, sledging, snow blading
and tobogganing.
Off piste skiing is covered when you are skiing within the ski area boundaries of a recognised ski resort and
following ski patrol guidelines.
There is no cover for:

Bobsleighing, heli skiing, luging, ski acrobatics, ski flying, ski jumping, ski racing, ski stunting or snow cat
skiing.
We may be able to cover you for other activities that are not listed. Please contact easyJet travel insurance on
0871 200 0223. An extra premium may need to be paid.
You, your, person insured
Each person shown on the policy schedule, for whom the appropriate insurance premium has been paid.

24-hour emergency medical assistance

Please tell us immediately about any serious illness or accident abroad where you have to go into hospital or you
may have to return home early or extend your stay because of any illness or injury. If you are unable to do this
because the condition is life, limb, sight or organ threatening, you should contact us as soon as you can. You must
also tell us if your medical expenses are over 250. If you are claiming for a minor illness or accident you should,
where possible, pay the costs and reclaim the money from us when you return. You can call 24 hours a day 365
days a year or email.
From outside your home country: Phone +44 20 8603 9693

Fax +44 20 8603 0204

From within your home country: Phone 020 8603 9693

Fax ax 020 8603 0204

email international.dept@allianz-assistance.co.uk
Please give us your age and your policy schedule number. Say that you are insured with easyJet travel insurance.
Below are some of the ways the 24-hour emergency medical assistance service can help.
Confirmation of payment
We will contact hospitals or doctors abroad and guarantee to pay their fees, providing you have a valid claim.
Repatriation
If our medical advisers think it would be in your medical interests to bring you back to your home or to a hospital or
nursing home in your home country, you will normally be transferred by regular airline or road ambulance. Where
medically necessary in very serious or urgent cases, we will use an air ambulance. We will consult the treating
doctor and our medical advisers first. If you need to go home early, the treating doctor must provide a certificate
confirming that you are fit to travel. Without this the airline can refuse to carry any sick or injured person.
You can contact us at any time, day or night. You will be answered by one of our experienced assistance
co-ordinators who you should give all relevant information to. Please make sure you have details of your policy
before you phone.

Reciprocal health arrangements

European Health Insurance Card (EHIC)

The EHIC entitles you to reduced-cost, sometimes free, medical treatment that becomes necessary while you
are in a European Economic Area (EEA) country or Switzerland. The EEA consists of the European Union (EU)
countries plus Iceland, Liechtenstein and Norway.

The card gives access to state-provided medical treatment only. Remember, this might not cover all the things
you would expect to get free of charge from the NHS in the UK. You may have to make a contribution to the
cost of your care.

UK residents may apply for an EHIC online at www.dh.gov.uk/travellers or by calling 0845 606 2030.
Application forms are also available from the Post Office.
Note
The EHIC does not cover the cost of medical treatment in a private hospital or clinic, the additional cost of
returning to your home country or for a relative to stay or fly out to be with you. In a medical emergency
you may have no control over the hospital you are taken to or the closest hospital may be private.
If you make use of these arrangements or any other reciprocal health arrangement which reduces your medical
expenses, you will not have to pay an excess.

Health declaration and health exclusions

These apply to the cancellation or curtailment charges, Emergency medical and associated expenses and Personal
accident sections.
It is very important that you read the following.
Exclusions relating to your health
1
You will not be covered for any directly or indirectly related claims (see note at the end of this section) arising
from the following if at the time of taking out this insurance or booking your journey (whichever is later), you:
a are being prescribed regular medication;
b have received treatment for or had a consultation with a doctor or hospital specialist for any medical
condition in the past 6 months;
c are being referred to, treated by or under the care of a doctor or a hospital specialist;
d are awaiting treatment or the results of any tests or investigations;
2
3
4
5
6

You will not be covered if you travel against the advice of a doctor or where you would have been if you had
sought their advice before beginning your journey.
You will not be covered if you know you will need medical treatment or consultation at any medical facility
during your journey.
You will not be covered for any directly or indirectly related claim if, before your journey, a doctor diagnosed
that you have a terminal condition.
You will not be covered if you were waiting for medical treatment or consultation at any medical facility or were
under investigation for a medical condition when your policy was issued.
You will not be covered if you are traveling specifically for the purpose of obtaining and / or receiving any
elective surgery, procedure or hospital treatment.
If we are unable to cover a medical condition, this will mean that any other person insured by us will not be
able to make a claim arising from the medical condition(s). This may even apply if the person with the medical
condition(s) purchases cover from another provider.

Exclusions relating to the health of someone not insured on this policy, but whose health may affect your
decision whether to take or continue with your journey
You will not be covered for any directly or indirectly related claims (see note at the end of this section) arising from
the health of a travelling companion, someone you were going to stay with, a close relative or a business associate
if at the time your policy was issued:
you were aware they have been receiving medical treatment or consultation at any medical facility for a
medical condition in the last 12 months;
you were aware they have been awaiting medical treatment or consultation at any medical facility or have been
under investigation for a medical condition;
you were aware that a doctor had diagnosed them as having a terminal condition, or that their medical
condition was likely to get worse in the next 12 months.
Note
Indirectly related claims
An indirectly related claim means a medical problem that is more likely to happen because of another medical
problem you already have. Sometimes these conditions can lead to the development of other conditions. For
example if you:
suffer from asthma, chronic obstructive pulmonary disease or other lung disease, you are more likely to
get a chest infection.
have high blood pressure, high cholesterol or diabetes, you are more likely to have a heart attack or a
stroke.
have osteoporosis, you are more likely to break or fracture a bone.
have or have had cancer, you are more likely to suffer with a secondary cancer.
Level of medical cover provided
This is not a private medical insurance policy and only gives cover for emergency medical treatment in the event
of accident or unexpected illness occurring during your journey.
9

General exclusions
The following exclusions apply to the whole of your policy:
We will not cover you for any claim arising from, or consisting of, the following:
1
War, invasion, act of foreign enemy, hostilities (whether war is declared or not) civil war, civil commotion,
rebellion, revolution, insurrection, military force, coup detat, terrorism (except under Emergency medical and
associated expenses Section 2, Personal possessions Section 5 and Personal accident Section 7 where
the terrorist activity takes place during your journey) or weapons of mass destruction (for example nuclear,
chemical or biological).
2
Any epidemic or pandemic.
3
You not following any advice or recommendation made by the Foreign and Commonwealth Office, World
Health Organisation or any government or other official authority. This includes where certain vaccinations or
other preventative measures (such as malaria tablets) are recommended.
4
Your property being held, taken, destroyed or damaged under the order of any government or customs officials.
5
Ionising radiation or radioactive contamination from nuclear fuel or nuclear waste or any risk from nuclear
equipment.
6
Any currency exchange rate changes.
7
The failure or fear of failure or inability of any equipment or any computer program, whether or not you own it,
to recognise or to correctly interpret or process any date as the true or correct date, or to continue to function
correctly beyond that date (except under the Emergency medical and associated expenses and Personal
accident sections).
8
You acting in an illegal or malicious way.
9
The effect of your alcohol, solvent or drug dependency or long term abuse.
10
You being under the influence of alcohol, of solvents or drugs, or doing anything as a result of using these
substances (except drugs prescribed by a doctor but not for the treatment of drug addiction).
11
You not enjoying your journey or not wanting to travel.
12
Any loss caused as a direct or indirect result of anything you are claiming for, for example loss of earnings,
unless it says differently in the policy.
13
You not answering accurately any question(s) we have asked you at the time of buying this policy, where your
answer(s) may have affected our decision to provide you with this policy.

Conditions
The following conditions apply to the whole of your policy. Please read these carefully as we can only pay your
claim if you meet these:
1
You are a resident of the UK, the Channel Islands or the Isle of Man.
2
You take reasonable care to protect yourself and your property against accident, injury, loss and damage and
act as if you are not insured and to minimise any potential claim.
3
You have a valid policy schedule.
4
You accept that we will not extend the period of insurance:
for single trip cover if the original policy plus any extensions have either ended, been in force for longer
than 31 days or you know you will be making a claim.
for annual multi-trip cover beyond the expiry of your policy.
5
You contact us as soon as possible with full details of anything which may result in a claim and give us all the
information we ask for. Please see section Making a claim for more information.
6
You accept that no alterations to the terms and conditions of the policy apply, unless we confirm them in
writing to you.
7
You are not aged 65 or over at the start date of your policy for annual multi-trip cover.
We have the right to do the following
1
Cancel the policy if you tell us something that is not true, which influences our decision as to whether cover
can be offered or not.
2
Cancel the policy and make no payment if you, or anyone acting for you, make a claim under this policy
knowing it to be dishonest, intentionally exaggerated or fraudulent in any way, or if you give a false declaration
or deliberate mis-statement when applying for this insurance or supporting your claim. We may in these
instances report the matter to the police.
3
Only cover you for the whole of your journey and not issue a policy if you have started your journey.
4
Take over and deal with, in your name, any claim you make under this policy.
5
Take legal action in your name (but at our expense) and ask you to give us details and fill in any forms
(including Department for Work and Pensions forms), which will help us to recover any payment we have
made under this policy.
6
With your or your Personal Representatives permission, get information from your medical records to help us
or our representatives deal with any claim. This could include a request for you to be medically examined or
for a postmortem to be carried out in the event of your death. We will not give personal information about you
to any other organisation without your specific agreement.
7
Send you home at any time during your journey if you are taken ill or injured. We will only do this if the doctor
treating you and our medical advisers agree. If there is a dispute, we will ask for an independent medical opinion.
8
Not accept liability for costs incurred for repatriation or treatment if you refuse to follow advice from the treating
doctor and our medical advisers.
9
Only refund or transfer your premium if you decide that the policy does not meet your needs and you have
contacted us within 14 days from the date you receive your policy and policy schedule. We can recover all
costs that you have used if you have travelled or made a claim or intend to make a claim.

10

10

11

12

Not to pay any claim on this policy (except under the Personal accident section) for any amounts covered by
another insurance or by anyone or anywhere else, for example any amounts you can get back from private health
insurance, any reciprocal health agreements, transport or accommodation provider, home contents insurer or any
other claim amount recovered by you. In these circumstances we will only pay our share of the claim.
If you cancel or cut short your journey:

All cover provided on your single trip or one-way trip policy will be cancelled without refunding your premium.

All cover provided on your annual multi-trip policy for that journey will be cancelled without refunding
your premium.
Ask you to pay us back any amounts that we have paid to you which are not covered by this policy.

Making a claim
For sections 1-14 and 16
To claim, please visit the website www.azgatravelclaims.com This will lead you to our online claims notification
service where claim forms can be obtained immediately via email or by downloading directly from the site.
Alternatively, please phone 020 8603 9692 and ask for a claim form or
Write to: easyJet Travel Insurance Claims Department, PO Box 1900, Croydon CR90 9BA or
Email: travel.claims@allianz-assistance.co.uk.
For section 15
To claim, either visit the IPP website at www.ipplondon.co.uk and download a claim form and post this to:
IPP Claims Office, IPP House, 22-26 Station Road, West Wickham, Kent BR4 0PR United Kingdom or
Write to: IPP Claims Office, IPP House, 22-26 Station Road, West Wickham, Kent BR4 0PR United Kingdom
Phone +44 20 8776 3752
Fax +44 20 8776 3751
Email info@ipplondon.co.uk
Website www.ipplondon.co.uk
IPP will only accept claims submitted up to six months after the failure. Any claims submitted after the six
month period will NOT be processed.
You should fill in the form and send it to us as soon as possible with all the information and documents we ask for. It
is essential that you provide us with as much detail as possible to enable us to handle your claim quickly. Please
keep photocopies of all information you send us.
You will need to obtain some information about your claim while you are away. Below is a list of the documents we
will need in order to deal with your claim.
For all claims

Your original journey booking invoice(s) and travel documents showing the dates and times of travel.

Original receipts and accounts for all out-of-pocket expenses you have to pay.

Original bills or invoices you are asked to pay.

Details of any other insurance you may have that may cover the same loss, such as household or private
medical.

As much evidence as possible to support your claim.

Cancellation or curtailment

If you need to curtail your journey call from within your home country on 020 8603 9693 or from outside your
home country on +44 20 8603 9693 immediately to get our prior agreement.

Original cancellation invoice(s) detailing all cancellation charges incurred.

For claims relating to illness or injury a medical certificate will need to be completed by the treating doctor. A
certified copy of the death certificate is required in the event of death.

If your claim results from any other circumstances, please provide evidence of these circumstances.
Medical expenses

Always contact our 24-hour emergency medical service when you are hospitalised, require repatriation or
where medical fees are likely to exceed 250.

Medical evidence from the treating doctor to confirm the illness or injury and treatment given including hospital
admission and discharge dates, if this applies.

If you are advised by a doctor at your resort that you cannot go on your pre-booked excursions because of
medical reasons, you should obtain a medical certificate from them confirming this.
If your passport is lost, stolen or destroyed

A receipt from the Consulate confirming the cost of the replacement passport and a written report from the
police if your passport is stolen.
Personal possessions and Personal money

Report the theft, damage or loss to the police within 24 hours of discovery and ask them for a written police report.

If appropriate, you should also report the theft, damage or loss to your courier or hotel / apartment manager and
ask for a written report.

Where available, original receipts, vouchers or other reasonable proof of purchase / ownership / value for lost,
stolen or damaged personal possessions.

Confirmation, such as foreign exchange receipts and withdrawal slips, from your bank or bureau de change for
issuing foreign currency, or suitable evidence for Sterling.

Keep any damaged items as we may need to inspect them. If we make a payment, or we replace an item, the item
will then belong to us.

Obtain an estimate for repair for all damaged items.

11

For loss or damage in transit claims, including delayed possessions

Please obtain a Property Irregularity Report (PIR) from the airline or a carriers report from the rail company,
shipping line or their handling agent. This should be done within 7 days of the delay / loss / damage. You have
21 days to write to the airline confirming details of essential replacement items purchased.
Personal accident

Detailed account of the circumstances surrounding the event, including photographs and video evidence (if this
applies).

Medical evidence from the treating doctor to confirm the extent of the injury and treatment given including,
hospital admission / discharge.

Full details of any witnesses, providing written statements where available.

A certified copy of the death certificate if this applies.

Missed departure

Detailed account of the circumstances causing you to miss your departure together with supporting evidence from
the public transport provider or accident / breakdown authority attending the private vehicle you were travelling in.
Delayed departure

Written confirmation from the airline, rail company, shipping line or their handling agent of the scheduled and
actual departure times and why the departure was delayed.
Personal liability

A detailed account of the circumstances surrounding the claim, including photographs and video evidence (if
this applies).

Any writ, summons or other correspondence received from any third party. Please note that you should not
admit liability, offer to make any payment or correspond with any third party without our written consent.

Full details of any witnesses, providing written statements where available.

Legal expenses

Detailed account of the circumstances surrounding the event, including photographs and video evidence (if this
applies) within 90 days of the event causing your claim.

Any writ, summons or other correspondence received from any third party. Please note that you should not
reply to any correspondence from a third party without our written consent.

Full details of any witnesses, providing written statements where available.

Motor breakdown on your outward journey

If the private vehicle you are in breaks down on the way to your outward departure point, call 020 8603 9929,
immediately to get our prior agreement.
Business cover
Business equipment and business samples

All appropriate evidence requested under the heading 'Personal possessions and Personal money' in this section.
Replacement business associate

Medical evidence from the treating doctor to confirm your illness or injury and treatment given including
hospital admission/discharge if this applies.

If you are advised by a doctor at your resort that you continue working because of medical reasons, you
should obtain a medical certificate from them confirming this.
Golf cover
Loss of green fees

Medical evidence from the treating doctor to confirm the illness or injury and treatment given including hospital
admission / discharge if this applies.

If you are advised by a doctor at your resort that you cannot play golf because of medical reasons, you
should obtain a medical certificate from them confirming this.
Golf equipment

All appropriate evidence requested under the heading Personal possessions and Personal money in this section.

All hire receipts and luggage labels / tags.

A written report from your airline or other carrier if your golf equipment is delayed or misdirected.
Scheduled airline failure cover

Contact the IPP Claims Office within 14 days, using the details shown above
Winter sports
Ski pack

Medical evidence from the treating doctor to confirm the illness or injury and treatment given including hospital
admission / discharge if this applies.

If you are advised by a doctor at your resort that you cannot take part in your pre-booked ski activities
because of medical reasons, you should obtain a medical certificate from them confirming this.
Ski equipment

All appropriate evidence requested under the heading Personal possessions and Personal money in this section.

All hire receipts and luggage labels / tags.

A written report from your airline or other carrier if your ski equipment is delayed or misdirected.
Piste closure / Avalanche closure

Written confirmation from your tour operator, the local piste authority or ski lift operator confirming the reason
for the closure and duration

12

Making a complaint
We aim to provide you with a first class policy and service. However, there may be times when you feel we have not
done so. If this is the case, please tell us about it so that we can do our best to solve the problem. If you make a
complaint your legal rights will not be affected.

For sections 1-14 and 16

In the first instance, please:
Write to:
Customer Support,
Allianz Global Assistance
102 George Street,
Croydon, CR9 6HD
Telephone: 020 8603 9853
Email: customersupport@allianz-assistance.co.uk
Please supply us with your name, address, policy number and claim number where applicable and enclose
copies of relevant correspondence as this will help us to deal with your complaint, in the shortest possible time

For section 15
In the first instance, please contact The Claims Manager, IPP Claims Office, IPP House, 22-26 Station Road,
West Wickham, Kent BR4 0PR United Kingdom.
Having followed the above procedure, if you are still not satisfied with the response you may write to:
Policyholder and Market Assistance, Lloyds, One Lime Street, London EC3N 7HA.

If you are not satisfied with our final response you can refer the matter to the UK Financial Ombudsman Service for
independent arbitration.

Cancellation or curtailment charges - Section 1

If you think you may have to cut your journey short (curtail), we must be told immediately - see under the heading
24-hour emergency medical assistance for more information.
WHAT YOU ARE COVERED FOR
We will pay up to 5,000 in total (including up to 150 in total for theatre tickets and excursions), for your part of
unused personal accommodation, transport charges and other travel expenses which have been paid or where there
is a contract to pay that cannot be recovered from anywhere else.
We will provide this cover in the following necessary and unavoidable circumstances:
Cancellation
If you cancel your journey before it begins because one of the following happens:

The death, serious injury or serious illness of you, someone you were going to stay with, a travelling
companion, or a relative or business associate of you or a travelling companion.

You or a travelling companion is called for jury service in the your home country or as a witness in a court in
the your home country.

You or a travelling companion is needed by the police following a burglary, or damage caused by serious
fire, storm, flood, explosion, subsidence, vandalism, fallen trees, impact by aircraft or vehicle at your home or
their home or usual place of business in the your home country.

Your redundancy
Curtailment
You cut your journey short (curtail) after it has begun because of one of the following:

Anything mentioned in Cancellation except redundancy.

You are injured or ill and are in hospital for the rest of your journey.
Note
We will calculate curtailment claims from the date it is necessary for you to return to your home country or
the date you are hospitalised as an in-patient, for the rest of your journey. We will pay unused personal
accommodation and other travel expenses based on each 24-hour period you have lost. If you need to be
repatriated, we will not refund the cost of your unused return travel tickets. We will put the value of these
tickets towards the extra transport costs we have to pay.

13

WHAT YOU ARE NOT COVERED FOR

Under Cancellation and Curtailment
An excess of 50.
Any condition stated under Health declaration and health exclusions.
More than the lowest market value of equivalent accommodation, transport charges and other travel expenses, if payment
was made using frequent flyer points, airmiles, loyalty card points, redeemable vouchers or another similar scheme.
Anything caused by:
you not having the correct passport or visa;
you carriers refusal to allow you to travel for what ever reason;
any restriction caused by the law of any country or people enforcing these laws;
bankruptcy or liquidation of the company providing your transport or accommodation, their agents or any
person acting for you;
anything the company providing your transport or accommodation, their agents, any person acting for you or
your conference organiser is responsible for;
your vehicle being stolen or breaking down;
you not wanting to travel or not enjoying your journey;
riot, civil commotion, strike or lock-out;
you travelling in an aircraft (except as a passenger in a fully-licensed, passenger-carrying aircraft);
your suicide, self-injury or deliberately putting yourself at risk (unless you were trying to save another persons
life) for example swimming while under the influence of alcohol or climbing from one balcony to another;
the death of any pet or animal.
the withdrawal from service of an aircraft, cross-channel train or sea vessel (temporarily or permanently), on
which you are booked to travel, by the carrier or on the recommendation or order of any government, civil
aviation authority, port authority, rail authority or other similar authority in any country.
Under Cancellation
Any extra cancellation charges, because you did not tell the company providing your transport or accommodation,
their agents or any person acting for you, as soon as you knew you had to cancel.
Financial circumstances or unemployment, except caused by redundancy which you find out about after the date
your policy or travel tickets for your journey were bought (whichever is the later).
Under Curtailment
Cutting short your journey unless we have agreed.
Any costs when you do not get a medical certificate (from the doctor who treated you in the place where you were
staying) which says it was necessary for you to come home because of death, injury or illness. Our medical advisers
must have agreed with the reason and that you were fit to travel.
The cost of your original pre-booked tickets if you have not used them and we have paid extra transport costs.
You travelling on a motorcycle, unless the rider holds an appropriate valid licence and all persons insured are
wearing crash helmets.
Anything caused by you taking part in a hazardous activity or winter sports unless shown on your policy
schedule.
Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

14

Emergency medical and associated expenses - Section 2

If you are taken into hospital or you think you may have to come home early or extend your journey because of
illness, injury or accident, or if your medical expenses are over 250 we must be told immediately - see under the
heading 24-hour emergency medical assistance for more information.
WHAT YOU ARE COVERED FOR
We will pay you or your personal representatives for the following necessary and unforeseen emergency expenses if
you die, are injured, have an accident or are taken ill during your journey.
Cover outside your home country
Up to 15 million for reasonable fees or charges you incur for:

Treatment
medical, surgical, medication costs, hospital, nursing home or nursing services.

Repatriation
your repatriation to your home country if medically necessary.

Transport and accommodation

reasonable extra transport and accommodation costs for you and any one other person who stays or travels
with you or to you from your home country on medical advice.

Funeral expenses
the reasonable cost of transporting your body or ashes to your home or we will pay up to 1,500 for your
funeral expenses, in the place where you die outside your home country.

Search and rescue

mountain search and rescue services when deemed medically necessary.

We will also pay

In-patient benefit
30 for each 24-hour period that you are in hospital as an in-patient up to 750 in total during the journey as
well as any fees or charges paid under treatment.

Dental
Up to 1,000 for emergency dental treatment to relieve sudden pain.

Excursions
Up to 150 in total for your theatre tickets and excursions that have been paid for before your journey began
and that cannot be recovered from anywhere else, if you get written advice from a doctor that you cannot go
on them, because of an injury or illness during your journey.

Cover within your home country

Up to 50,000 for:

Transport and accommodation

Reasonable extra transport and accommodation costs for you and any one other person who stays or travels
with you or to you from within your home country on medical advice; and the reasonable cost of transporting
you, your ashes or body home.

15

WHAT YOU ARE NOT COVERED FOR

Under Cover outside your home country except In-patient benefit and Excursions and under Cover within
your home country
An excess of 50, unless your claim is reduced because you used an European Health Insurance Card or any other
reciprocal health arrangement (see Reciprocal health arrangements for more information).
The cost of replacing any medication you were using when you began your journey.
Under Cover outside your home country and under Cover within your home country
Any condition stated under Health declaration and health exclusions.
Extra transport and accommodation costs which are of a higher standard to those already used on your journey,
unless we agree.
Anything caused by:
you travelling in an aircraft (except as a passenger in a fully-licensed, passenger-carrying aircraft);
your suicide, self-injury or deliberately putting yourself at risk (unless you were trying to save another persons
life) for example swimming while under the influence of alcohol or climbing from one balcony to another;
you travelling on a motorcycle, unless the rider holds an appropriate valid licence and all persons insured are
wearing crash helmets;
you taking part in any hazardous activity or winter sports unless shown on your policy schedule.
Any costs incurred 12 months after the date of your death, injury or illness.
Any costs for taxi fares and telephone calls (including mobile calls) resulting from an incident claimed for under this
section.
Under Cover outside your home country - Treatment
Services or treatments you receive within your home country.
Services or treatments you receive which the doctor in attendance and we think can wait until you get back to your
home country.
Medical costs over 250 , in-patient treatment or repatriation which we have not authorised.
The extra costs of having a single or private room in a hospital or nursing home.
The cost of all treatment which is not directly related to the illness or injury that caused the claim.
Under Cover outside your home country - Funeral expenses
Your burial or cremation within your home country.
Under Cover outside your home country - Dental
Replacing or repairing false teeth or artificial teeth (such as crowns).
Dental work involving the use of precious metals.
Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

Loss of passport - Section 3

WHAT YOU ARE COVERED FOR
We will pay the following if your passport is lost, stolen or destroyed on your journey.
Costs for issuing a temporary passport
Up to 500 in total for the cost of extra transport, accommodation and administration costs you have to pay to get a
temporary passport to enable you to return to your home country.
Remaining value of original passport
The equivalent cost (based on the current replacement costs) of the period remaining on your passport that is lost
stolen or destroyed.
WHAT YOU ARE NOT COVERED FOR
Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

16

Delayed personal possessions - Section 4

WHAT YOU ARE COVERED FOR
Up to 400 in total for essential replacement items, if your personal possessions (this does not include valuables
or ski equipment) are temporarily lost or stolen on your outward journey for more than 12 hours from when you
arrived at your destination.
Note
You must send us the receipts for anything that you buy. If the items are permanently lost, we will take any
amount that you are due to be paid under this section from the final claim settlement under the Personal
possessions section 5.
WHAT YOU ARE NOT COVERED FOR
Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

Personal possessions - Section 5

WHAT YOU ARE COVERED FOR
Up to 2,000 in total for your personal possessions (this does not include ski equipment) damaged, stolen, lost or
destroyed on your journey.
The most we will pay for valuables is 400 in total whether jointly owned or not. There is also a single article, pair or
set limit of 300. We will need an original receipt, reasonable proof of ownership or an insurance valuation for all
items claimed for. Where these are not available the most we will pay is up to 300 in total for all such items.
Note
It will be our decision to pay either:

the cost of repairing your items;

to replace your belongings with equivalent items; or

the cost of replacing your items. An amount for wear, tear and loss of value will be deducted.
WHAT YOU ARE NOT COVERED FOR
An excess of 50.
More than 50 for tobacco, alcohol, fragrances and perfumes.
More than the part of the pair or set that is stolen, lost or destroyed.
Breakage of or damage to:
sports equipment while it is being used, fragile articles, audio, video, computer, television, fax and phone equipment.
Loss or damage due to the climate, wear and tear, loss in value, process of cleaning, moths or vermin.
The cost of replacing or repairing false teeth.
A claim for more than one mobile phone per person insured.
Loss or theft of, or damage to, the following.
More than 300 in total for all items where you are unable to provide a receipt or other reasonable proof of
purchase.
More than 50 in total for tobacco, alcohol and fragrances (perfumes and so on).
Films, tapes, cassettes, computer games, electronic games, mini-discs, DVDs, video and audio tapes,
cartridges or discs, unless they were pre-recorded, in which case we will pay up to the replacement cost.
More than 100 in total for personal possessions which are left in a motor vehicle, unless it is being used for
travel between different points of overnight accommodation.
Goods which deteriorate, bottles or cartons, and any damage caused by these items or their contents.
Personal possessions unless they are on your person, locked in the accommodation you are using on your
journey or they are out of sight in the locked boot or covered luggage area of a locked motor vehicle.
Valuables left in a motor vehicle.
Valuables carried in suitcases, trunks or similar containers unless they are on your person all the time.
Valuables unless they are on your person or locked in a safe or safety deposit box (if one is available) or
locked in the accommodation you are using on your journey.
Contact or corneal lenses, unless following fire or theft.
Bonds, share certificates, guarantees or documents of any kind.
Personal money (see section 6).
Business equipment or business samples (see section 13).
Passport (see section 3).
Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

17

Personal money - Section 6

WHAT YOU ARE COVERED FOR
Up to 400 for loss or theft of your personal money (but no more than 300 in cash in total, whether jointly owned
or not) which happens:
after your collection from your bank but no more than 72 hours before the start of your journey; or
while on your journey.
WHAT YOU ARE NOT COVERED FOR
An excess of 50.
Compensation unless you can provide receipts for the amount you had from the place where you got the currency.
Loss or theft of personal money, unless it is on your person, locked in a safe or safety deposit box (if one is
available) or locked in the accommodation you are using on your journey.
Loss caused by a reduction in exchange rates or shortage caused by mistakes in exchanging currency.
Loss or theft of travellers cheques if the place where you got them from provides a replacement service.
More than the lowest market value of equivalent accommodation, transport charges and other travel expenses, if payment
was made using frequent flyer points, airmiles, loyalty card points, redeemable vouchers or another similar scheme.
Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

Personal accident - Section 7

WHAT YOU ARE COVERED FOR
We will pay you or your personal representative one of the following amounts for an accident during your journey.
Death
20,000 for death. (We will not pay more than 5,000 if you are aged 15 or under at the time of the accident.)
Permanent loss
20,000 for total and permanent loss of sight in one or both eyes or total and permanent loss of use of one or both
hands or feet.
Physical disablement
20,000 for a permanent physical disability as a result of which there is no paid work which you are able to do. (We
will not pay any compensation if you are aged 15 or under or aged 65 or over at the time of the accident.)
Note
Death benefit payments will be made to your personal representative.
WHAT YOU ARE NOT COVERED FOR
Any condition stated under Health declaration and health exclusions.
Any claim arising more than one year after the original accident.
Anything caused by:
your sickness, disease or gradually occurring conditions, physical or mental condition that is gradually getting
worse unless shown on your policy schedule;
you travelling in an aircraft (except as a passenger in a fully-licensed, passenger-carrying aircraft);
your suicide, self-injury or deliberately putting yourself at risk (unless you were trying to save another persons
life) for example swimming while under the influence of alcohol or climbing from one balcony to another;
you travelling on a motorcycle, unless the rider holds an appropriate valid licence and all persons insured are
wearing crash helmets;
you taking part in any hazardous activity or winter sports unless shown on your policy schedule.
We will not pay more than one of the benefits resulting from the same injury.
Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

18

Missed departure - Section 8

WHAT YOU ARE COVERED FOR
We will pay you up to 1,000 in total for the cost of extra accommodation and transport which you have to pay to get
to your journey destination or back home because you do not get to the departure point by the time shown in your
travel itinerary (plans) because:
public transport (including scheduled flights) does not run to its timetable; or
the vehicle you are travelling in has an accident or breaks down.
WHAT YOU ARE NOT COVERED FOR
An excess of 50.
Any claim unless you:
get a letter from the public transport provider (if this applies) confirming that the service did not run on time
get confirmation of the delay from the authority who went to the accident or breakdown (if this applies) affecting
the vehicle you were travelling in
have allowed time in your travel plans for delays which are expected.
Any delay caused by a riot, civil commotion, strike or industrial action which began or was announced before your
policy or travel tickets for your journey were bought (whichever is later).
Failure of public transport caused by a riot, civil commotion, strike or industrial action which began or was announced
before you left home or where you could have reasonably made other travel arrangements.
The withdrawal from service of an aircraft, cross-channel train or sea vessel (temporarily or permanently), on which
you are booked to travel, by the carrier or on the recommendation or order of any government, civil aviation authority,
port authority, rail authority or other similar authority in any country.
Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

Delayed departure - Section 9

WHAT YOU ARE COVERED FOR
Compensation if the flight, international train or sea vessel you are booked on is delayed at its departure point from
the time shown in your travel itinerary (plans) because of:
a serious fire, storm or flood damage to the departure point;
industrial action;
bad weather;
mechanical breakdown of the international train or sea vessel; or
the grounding of the aircraft due to a mechanical or a structural defect.
We will pay:
Delay
35 after each full 12 hours of delay up to 200 in total; or
Abandonment
Up to 5,000 in total for your part of the unused costs of the journey which have been paid or where there is a
contract to pay that cannot be recovered from anywhere else, if, after you have been delayed for more than 24
hours, you decide to abandon the journey before you leave your home country.
WHAT YOU ARE NOT COVERED FOR
Under Delay and Abandonment
Anything which is caused by you not checking in at the departure point when you should have done.
Missed connections.
Compensation unless you get a letter from the airline, railway company or shipping line giving the reason for the
delay and showing the scheduled departure time and the actual departure time of the flight, international train or sea
vessel.
Any delay caused by a riot, civil commotion, strike or industrial action which began or was announced before your
policy or travel tickets for your journey were bought (whichever is later).
The withdrawal from service of an aircraft, cross-channel train or sea vessel (temporarily or permanently), on which
you are booked to travel, by the carrier or on the recommendation or order of any government, civil aviation authority,
port authority, rail authority or other similar authority in any country.
Under Abandonment
An excess of 50.
More than the lowest market value of equivalent accommodation, transport charges and other travel expenses, if payment
was made using frequent flyer points, airmiles, loyalty card points, redeemable vouchers or another similar scheme.
Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

19

Personal liability - Section 10

If you are hiring a motorised or mechanical vehicle while on your journey you must make sure that you get the
necessary insurance from the hire company. We do not cover this under our policy.
WHAT YOU ARE COVERED FOR
We will pay up to 2 million plus any other costs we agree to in writing that relate to anything you cause during your
journey for which you are legally liable and results in one of the following.

Bodily injury of any person.

Loss of or damage to property which you do not own and you or a relative have not hired, loaned or borrowed.

Loss of or damage to the accommodation you are using on your journey that does not belong to you or a
relative.
Note
Inform us as soon as you or your personal representatives are aware of a possible prosecution, inquest or
fatal injury, which might lead to a claim under this section.
Please do not negotiate, pay, settle, admit or deny any liability to any third party, without our written consent.
WHAT YOU ARE NOT COVERED FOR
Any liability for bodily injury or loss of or damage to property that comes under any of the following categories.
Something which is suffered by anyone employed by you or a relative and is caused by the work they are
employed to do.
Something which is caused by something you deliberately did or did not do.
Something which is caused by your employment or employment of a relative.
Something which is caused by you using any firearm or weapon.
Something which is caused by any animal you own, look after or control.
Something which you agree to take responsibility for which you would not otherwise have been responsible
for.
Any contractual liabilities.
Any liability for bodily injury suffered by you, a relative or travelling companion.
Compensation or other costs caused by accidents arising from your ownership or possession of any of the following.
The use of any land or building except for the accommodation you are using on your journey.
Motorised or mechanical vehicles and any trailers attached to them.
Aircraft, motorised watercraft or sailing vessels.
Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

20

Legal expenses - Section 11

You can call our 24-hour legal helpline 365 days a year for advice on a travel related legal problem to do with your
journey.
From within your home country: Phone 020 8603 9804
From outside your home country: Phone +44 20 8603 9804
WHAT YOU ARE COVERED FOR
If you die, are ill, or injured during your journey and you or your personal representative take legal action to claim
damages or compensation for negligence against a third party we will do the following:

Nominate an appointed adviser to act for you. If you and we cannot agree on an appointed adviser, the
matter can be referred to an Alternative Resolution Facility.

For each event giving rise to a claim pay up to 20,000 legal costs for legal action for you (but not more than
40,000 in total for all persons insured on this policy).
Note
you must conduct your claim in the way requested by the appointed adviser;
you must keep us and the appointed adviser fully aware of all facts and correspondence including any
claim settlement offers made to you;
we will not be bound by any promises or undertakings which you give to the appointed adviser, or which
you give to any person about payment of fees or expenses, without our consent;
we can withdraw cover after we have agreed to the claim, if we think a reasonable settlement is unlikely or
that the cost of the legal action could be more than the settlement.
WHAT YOU ARE NOT COVERED FOR
Any claim:
not reported to us within 90 days after the event giving rise to the claim;
where we think a reasonable settlement is unlikely or where the cost of the legal action could be more than
the settlement;
involving legal action between you and members of the same household, a relative, a travelling companion,
or one of your employees;
where another insurer or service provider has refused your claim or where there is a shortfall in the cover they
provide;
against a travel agent, tour operator or carrier, us, the insurer, another person insured under this policy or
our agent.
Legal costs:
for legal action that we have not agreed to;
if you refuse reasonable settlement of your claim. You should use Alternative Resolution Facilities such as
mediation in this situation;
if you withdraw from a claim without our agreement. If this occurs legal costs that we have been paid must be
repaid to us and all legal costs will become your responsibility;
if we, you or your appointed adviser, are unable to recover legal costs incurred following a successful claim for
compensation, we will be entitled to receive such costs from the compensation you receive. Any repayment is
limited to the actual costs incurred and will not be more than half of the compensation you receive;
awarded as a personal penalty against you or the appointed adviser (for example not complying with Court
rules and protocols);
for bringing legal action in more than one country for the same event.
Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

21

Motor breakdown on your outward journey- Section 12

You can call our 24-hour motor breakdown service 365 days a year.
Phone: 020 8603 9929
WHAT YOU ARE COVERED FOR
We will arrange help and pay for one of the following if the private vehicle you are travelling in to get you to your
outward departure point breaks down or it is involved in a road accident after leaving your home to begin your
journey.
Vehicle breakdown
The call-out charge, for a repairer to come out to your vehicle and up to one hour's labour charges for temporary
repairs at the roadside as long as there is a reasonable chance of making your vehicle roadworthy and any warranty
(a guarantee for your vehicle) is not put at risk;
or
Vehicle recovery
If your vehicle cannot be repaired at the roadside, we will arrange help and pay for to take the insured vehicle to be
taken to your home or to a specialist repairer or franchised dealer if there is a warranty (a guarantee on your
vehicle). Cover for getting you to your journey destination is shown under section 8.
WHAT YOU ARE NOT COVERED FOR
Costs or expenses that we have not agreed to.
Costs or expenses for a journey within your home country only, unless it involves air travel.
Costs or expenses where your vehicle is:

not serviced to the manufacturer's recommendation and kept in a safe and roadworthy condition;

over 15 years old;

covered under any other motoring breakdown policy.

Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

Business cover - Section 13

Where your journey is for business purposes
WHAT YOU ARE COVERED FOR
Replacement business associate
Up to 1,000 in total, for reasonable extra transport and accommodation costs for a business associate to finish
your essential business commitments that you could not complete because of your death, injury or illness.
Business equipment and business samples
We will pay

up to 500 in total for your business equipment; and

up to 250 in total for your business samples

that are damaged, stolen, lost or destroyed on your journey.
There is also a single item limit of 300.
Note
It will be our decision to pay either:

the cost of repairing your items;

to replace your belongings with equivalent items; or

the cost of replacing your items. An amount for wear, tear and loss of value will be deducted.
WHAT YOU ARE NOT COVERED FOR
Under Replacement business associate
Anything mentioned under the heading WHAT YOU ARE NOT COVERED FOR within Cancellation and curtailment
- Section 1.
Under Business equipment and business samples
Anything mentioned under the heading WHAT YOU ARE NOT COVERED FOR within Personal possessions Section 5.
Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

22

Golf cover - Section 14

WHAT YOU ARE COVERED FOR
Loss of green fees
We will pay up to 300 in total for your pre paid green fees that cannot be recovered from anywhere else, if:

you have to cancel or curtail your journey.

you cannot play golf because of an injury or illness during your journey.
Delayed golf equipment
We will pay up to 250 in total for the hire of alternative golf equipment if yours is temporarily lost or stolen on your
outward journey for more than 12 hours from when you arrived at your destination.
Golf equipment
We will pay up to 1,000 in total for your own golf equipment that is damaged, stolen, lost or destroyed on your
journey.
There is also a single item limit of 300 whether jointly owned or not.
Note
It will be our decision to pay either:

the cost of repairing your items;

to replace your belongings with equivalent items; or

the cost of replacing your items. An amount for wear, tear and loss of value will be deducted.
WHAT YOU ARE NOT COVERED FOR
Under Loss of green fees
Anything mentioned under the heading WHAT YOU ARE NOT COVERED FOR within Cancellation or curtailment
charges - section 1.
Anything mentioned under the heading WHAT YOU ARE NOT COVERED FOR within Emergency medical and
associated expenses - section 2.
Under golf equipment
Anything mentioned under the heading WHAT YOU ARE NOT COVERED FOR within Personal possessions section 5 (not including the excess, which does not apply).
Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

Scheduled airline failure cover - Section 15

WHAT YOU ARE COVERED FOR
The insurer will pay up to 350 in total for the following:
Insolvency prior to departure
Irrecoverable sums paid in advance if easyJet become insolvent before your departure OR
Insolvency after departure
If easyJet become insolvent after your departure:

extra pro rata costs you have to pay to replace that part of the flight arrangements to a similar standard to that
which was originally booked or

if curtailment of the journey is unavoidable - the cost of return flights to your home country to a similar
standard and cost to that which was originally booked.
Note
Where possible you should contact us (see Making a claim section on page 11), before you make alternative
arrangements so that we can agree to the costs.
WHAT YOU ARE NOT COVERED FOR
Any easyJet flight where the original country of departure is outside of the European Union.
Any flight booked through an airline other than easyJet.
The financial failure of easyJet in the event of insolvency or if easyJet is known to be under any threat of insolvency
at the date your policy or travel tickets for your journey were bought (whichever is the later).
Monies that are recoverable elsewhere or by any other means.
Any loss for which a third party is liable or which can be recovered by other legal means.
Any loss that is not directly associated with the incident that caused you to claim. For example, loss due to being
unable to reach your pre-booked hotel, villa or car hire following the financial failure of easyJet.
Any claim submitted over six months after the failure of easyJet.
Please also refer to Making a claim on page 11 for the claim requirements of this section.

23

Winter sports cover - Section 16

This section and the cover detailed under sections 1 to 15 while taking part in winter sports
is only in force if shown on your policy schedule
WHAT YOU ARE COVERED FOR
Ski pack
We will pay up to 250 in total for your ski pack costs that have been paid for and that cannot be recovered from
anywhere else, if:

you have to cancel or curtail your journey.

you cannot ski because of an injury or illness during your journey.

Delayed ski equipment
We will pay up to 250 in total for the hire of alternative ski equipment if yours is temporarily lost or stolen on your
outward journey for more than 12 hours from when you arrived at your destination.
Ski equipment
We will pay:

up to 500 in total for your own ski equipment and ski pass;

up to 250 in total for hired ski equipment,

that is damaged, stolen, lost or destroyed on your journey.
There is also a single item limit of 300 whether jointly owned or not.
Note
It will be our decision to pay either:

the cost of repairing your items;

to replace your belongings with equivalent items; or

the cost of replacing your items. An amount for wear, tear and loss of value will be deducted.
Piste closure
We will pay one of the following, if it is not possible for you to ski or snow board at your pre-booked ski resort,
because the ski-lifts and ski-schools that you are due to use are closed as a result of adverse weather conditions.

Up to 20 for each full day up to 250 in total for the cost of extra transport or lift passes to let you ski or snow
board at another resort; or

Up to 20 for each full day up to 250 in total if no other resort is available.

Avalanche closure
We will pay up to 200 for extra accommodation and transport costs you need to pay to get you to your journey destination
or back home because of an avalanche or landslide.
WHAT YOU ARE NOT COVERED FOR
Under Ski pack
Anything mentioned under the heading WHAT YOU ARE NOT COVERED FOR within Cancellation or curtailment
charges - section 1 (not including the excess, which does not apply).
Anything mentioned under the heading WHAT YOU ARE NOT COVERED FOR within Emergency medical and
associated expenses - section 2 (not including the excess, which does not apply).
Under Ski equipment
Anything mentioned under the heading WHAT YOU ARE NOT COVERED FOR within Personal possessions section 5.
Under Piste closure
Any compensation for the first full 24 hours at your booked ski resort.
Any journey in your home country.
Any claim unless you have a letter from the ski-lift or ski-school operators giving the reason for closing the piste and
showing the number of days the piste was closed during your journey.
Compensation which you can get from your tour operator or anywhere else.
Costs if the ski-lifts or ski-schools in your pre-booked resort were closed when your policy or travel tickets for your
journey were issued, if this is less than 14 days before the beginning of your journey.
Any journey that takes place outside a recognised ski resort or the official resort opening dates.
Under Avalanche closure
Compensation unless you get a letter from the relevant authority or your tour operators representative confirming the event.
Compensation which you can get from the company providing accommodation, your tour operator or anywhere else.
Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

24

This policy is available in large print, audio and Braille.

Please contact us on
Phone 0871 200 0223
and we will be pleased to organise an alternative for you.

easyJet Airline Company Limited, Registered Office: Hanger 89 London Luton Airport, Luton, Bedfordshire LU2 9PF
Registered in England No. 03034606 is an appointed representative of Mondial Assistance (UK) Limited.
Sections 1-14 and 16 of easyJet travel insurance are underwritten by AGA International SA and administered in the
UK by Allianz Global Assistance. Allianz Global Assistance is a trading name of Mondial Assistance (UK) Limited,
Registered in England No 1710361, Registered Office 102 George Street, Croydon CR9 6HD.
Mondial Assistance (UK) Limited is authorised and regulated by the Financial Conduct Authority.
AGA International SA is duly authorised in France and the United Kingdom and authorised and subject
to limited regulation by the Prudential Regulation Authority and the Financial Conduct Authority.
Allianz Global Assistance acts as an agent for AGA International SA for the receipt
of customer money, settling claims and handling premium refunds.
easyJet Airline Company Limited acts as an agent for AGA International SA for the receipt
of customer money and handling premium refunds.
Section 15 of easyJet travel insurance is underwritten by certain underwriters at Lloyds and is administered by
International Passenger Protection Limited, IPP House, 22-26 Station Road, West Wickham, Kent BR4 0PR United
Kingdom.
International Passenger Protection Limited and certain underwriters at Lloyds are authorised and regulated
by the Financial Conduct Authority.

3191TVL (1) 09/14

25