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Adventures - Policy Summary
This is a Policy Summary only and does not contain the full terms and conditions of the contract.
Full terms, conditions and exclusions can be found in the policy wording, which you should also read carefully.
Your policy will be subject to the Law of England and Wales unless the policy holder's habitual residence (in the case of an individual)
or central administration and/or place of establishment is located in Scotland in which case the law of Scotland shall apply.
In the event of the place of establishment being situate in the Channel Islands the relevant law governing the Channel Islands shall apply.
Who are the Insurers?
The Adventures scheme is arranged by P J Hayman & Company Limited and underwritten by UK Underwriting Limited on behalf of:
AXA Insurance UK Plc and Primary Insurance Company Limited (an insurance company established in Ireland, authorised and licensed by the Irish Financial Services Regulatory
Authority),
AXA Insurance UK Plc and UK Underwriting Limited are authorised and regulated by the Financial Services Authority. This can be checked on the FSA's register
by visiting the FSA's website at www.fsa.gov.uk/register or by contacting them on (0845) 606-1234.
PJ Hayman and Company Limited is an appointed representative of Crispin Speers & Partners Ltd, who are authorised and regulated by the
Financial Services Authority. Their register number is 311507.
What is Adventures Travel Insurance?
The insurance offers Single Trip or Annual Multi-trip cover for your holiday(s) or journey(s), as selected by you when requesting a
quotation. Adventures is designed to insure you against certain events when taking a holiday or journey to, or working at,
an overseas destination.
The Single Trip insurance provides cover for one specific trip and will run for the period shown on your travel insurance schedule.
Annual Multi-trip insurance provides cover for any number of trips, in a 12 months period, up to a maximum of 60 days for each trip.
It is only available to persons aged under 70 years.
If Annual Multi-trip cover is selected, the travel insurance schedule will show when the cover starts and finishes.
Significant Features and Benefits
Please see the 'Cover and Limits' table page.
Significant Exclusions or Limitations
Please also see the 'Cover and Limits page.
The first part of a claim (the excess) under certain Sections of the Policy.
Any consequences of war and similar risks or terrorist activity.
Participation in any hazardous activity, unless this is an insured activity for which the appropriate premium has been paid.
Disinclination to travel or financial circumstances (other than qualifying redundancy).
Travelling against the advice or recommendations of the British Foreign and Commonwealth Office.
Failure to notify the travel agent, tour operator or transport/accommodation provider immediately it is found necessary to cancel or curtail the travel arrangements.
Any pre-existing health conditions where, at the time of taking out the insurance (and in the case of Annual Multi-trip at the time of booking each trip) the person whose condition gives rise to the claim:-
i) is receiving or is on a waiting list for treatment in a hospital or nursing home; or
ii) has received a terminal prognosis;
iii) is travelling against medical advice or for the purpose of obtaining treatment; or
iv) is expected to give birth before or within 14 weeks of the date of arrival home.;
v) is suffering or has ever suffered from any diagnosed psychiatric disorder, anxiety or depression.
Note: This exclusion applies to you and also to close relatives or other non-travellers on whom the trip depends.
In respect of trips outside the United Kingdom, where, at the time of taking out the insurance (and in the case of Annual Multi-trips at the time of booking each trip) you answer 'Yes' to any of the Medical Screening Questions and fail to contact the Medical Screening Line.
1 In-patient Medical costs and/or Curtailment expenses not specifically agreed by the Emergency Assistance Service.
2 Not travelling specifically to receive medical treatment or in the knowledge that you are likely to need treatment.
3 Any loss or theft of personal possessions or money unless it has been reported to the police within 24 hours of discovery and a report obtained.
4 Loss or damage to property whilst in the custody of an airline or other carrier, unless reported within 24 hours and a report obtained.
5 Loss of valuable items carried in suitcases or similar receptacles, when left unattended.
6 Loss or theft of personal money that is not, either a) on you person, b) held in a safe or safety deposit box, where available, or c) left out of sight in your locked personal trip accommodation.
Duration of Contract
This is an annually renewable or single trip policy.
Please refer to your schedule for your selected cover.
What happens if I take out cover then change my mind?
You may cancel this insurance within 14 days form the date of purchase of this insurance, by returning the documents to us.
Provided no claims have been made and travel has not commenced any premium paid will be refunded. No refund or premium is
available after the 14 day period.
How to claim
A claim form is available from P J Hayman & Company Limited. You may contact them by writing to:-
P J Hayman & Company Limited,
(Adventures Claims Dept.),
Stansted House,
Rowlands Castle,
Hampshire P09 6DX,
Or by telephone: 0845 230 3524
(between 9.00am to 5.00pm Monday-Friday),
or Fax: 023 9241 9049.
Please advise the Claims Department of the section of insurance you are claiming under and tell them that you are insured under
the Adventures policy. UK Underwriting Ltd are an insurers agent and in the matter of a claim act on behalf of the insurer.
What to do if you have a complaint
If you are unhappy with the services provided for any reason, or have cause for complaint, please follow the procedure shown below:
If you have a complaint regarding the policy, please write to:
The Customer Services Manager,
P J Hayman & Co. Ltd, Stansted House,
Rowlands Castle, Hampshire P09 6DX.
If your complaint is one of the few that cannot be resolved by this stage, contact:
The Claims Manager
UK Underwriting Limited
2 Gibraltar House
Bowcliffe Road
Leeds LS10 1HB
If we have given you our final decision and you are still dissatisfied you may refer your case to the Financial Ombudsman Service (FOS).
The FOS is an independent body that arbitrates on complaints about general insurance products. It will only consider complaints
after we have provided you with written confirmation that our internal complaints procedure has been exhausted.
The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR.
Referral to the FOS will not affect your rights to take legal action against us.
Financial Services Compensation Scheme (FSCS)
In the event that AXA Insurance UK plc, is unable to meet their liabilities you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS).
In the event that Primary Insurance Company Limited is unable to meet its liabilities you may be entitled to compensation from the Irish Insurance Compensation Fund.
Further information can be found in your policy under the "Compensation Scheme".
Eligibility
Cover is available to persons permanently residing in the European Union and who are registered with a General Practitioner and who
do not have dual residency.
Cover is only available to those persons aged 69 years and under.
Know Before You Go
We are working with the Foreign and Commonwealth Office to do all we can to help British travellers stay safe overseas.
Before you go overseas check out the Foreign and Commonwealth Office web site at www.fco.gov.uk/travel. It is packed with essential
travel advice and tips and up-to-date country-specific information.
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 and to amend your policy accordingly.
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Authorised and regulated by the Financial Services Authority.
Registration Number 304413 |
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