Holiday Insurance

OUR POLICY SUMMARY
This policy summary does not contain the full terms of your travel insurance policy, which can be found in the Policy Document. Click here to view our Insurance terms of Business.

Insurer
Mapfre Assistance is a multinational insurance, reinsurance and services company founded in Madrid (Spain) in 1989. Mapfre Assistance is registered with the Financial Services Authority (registration number 203041), with a branch registered in England and Wales with company name Mapfre Assistance (branch number BR008042)
Type of Insurance and eligibility
This is a holiday insurance policy which is available to UK and EU residents of 6 months or more and registered with a local Doctor, and aged 85 or under at the time of issue.

Summary of Benefits
The significant features and benefits for each insured person are shown in the table below. These vary according to the cover option selected.

Section	Cover	Economy Cover	Policy Excess
A	Cancellation, Curtailment & Trip Interruption Charges	£1,000	£95
	Loss of Deposit		£25
B	Emergency medical expenses	£5,000,000	£95
	Emergency dental treatment	£250	£95
	Burial or cremation abroad	£2,500	£95
C	Hospital benefit	£500 (£25 per day)	Nil
D	Personal accident:
	Death	£5,000	Nil
	Loss of limb or sight	£10,000	Nil
	Permanent total disablement	£10,000	Nil
E	Baggage	£750	£95
	Single article, pair or set limit	£100	£95
	Valuables	£100	£95
	Business equipment	No Cover	Nil
	Emergency replacement of baggage	£100	Nil
F	Personal money, passport and documents	£250	£95
	Cash	£150	£95
G	Personal liability	£1,000,000 per policy	£95
H	Delayed departure	No Cover	Nil
	Abandonment	No Cover	Nil
I	Missed departure	£500 - Europe / £1,000 Worldwide	Nil
J	UK departure assistance & missed UK connection	£500	Nil
K	Legal expenses and assistance	£10,000	Nil
L	Extended kennel and/or cattery fees	£250	Nil
M	Hijack and Kidnap	£5,000 (£50 per day)	Nil
N	Personal assistance services	£250	Nil
	Winter Sports (Optional)
O	Ski equipment	£500	£95
	Hired ski equipment	£250	£95
P	Ski equipment hire	£300 (£15 per day)	Nil
Q	Ski pack	£500	Nil
	Lost Lift Pass	£200	Nil
R	Piste Closure	£200 (£20 per day)	Nil
S	Avalanche or Landslide Cover	£150 (£30 per day)	Nil

Important Health Requirements

Anyone insured on this policy requiring cover should contact our medical screening service if they have:

• been prescribed medication, received treatment, or attended consultations, investigations or follow-ups, for ANY medical or psychological conditions in the last 2 years;
 
• EVER been prescribed medication, received treatment or had investigations for:
• A heart attack, angina, chest pain(s), palpitations or any other heart condition
• High blood pressure, blood clots, raised cholesterol, or circulatory disease
• Any form of stroke, TIA (transient ischaemic attack), or brain haemorrhage

If necessary, please go to www.healthcheck247.com or telephone them on 0845 618 0341 to declare any existing medical conditions. If your state of health changes between now and the date of travel, you may need to declare this information if you intend to continue with your trip.

The policy also contains conditions and exclusions if you need to cancel or curtail your trip, specifically relating to close relatives or anyone you will be staying or travelling with. Please ensure you read your policy document carefully.

Other significant policy exclusions and limitations

Material Facts: You must declare to Us all Material Facts that are likely to affect this insurance. Failure to do so may prejudice Your entitlement to claim. If You are uncertain as to whether a fact is material, You should declare it to Us by contacting Your Issuing Agent. Please refer to the definition of a Material Fact in the Meaning of Words within the Policy Document.

Changes in Health or Medication: You must contact Us and declare any changes in Your health or Your medication that occur between the date You take out this policy and the date You start any Trip.

Cancellation, Curtailment & Trip Interruption Cover: It is important to note that the policy contains conditions and exclusions in relation to non-insured travelling companions, Close Relatives or persons with whom You intend to stay whilst on Your Trip, in the event of any need to cancel, curtail or interrupt a Trip as a result of changes in their health. Please refer to the Important Limitations – Cancellation, Curtailment & Trip Interruption Cover section for full details.

Sports & Recreational Activities: Occasional participation in certain activities and sports, on a recreational and non-professional basis and not being the main purpose of the Trip, are covered within the terms of the policy at no additional premium. Certain activities and sports may however be subject to amended terms and conditions. Please see Section 16 of the Policy Document for further details or contact Your Issuing Agent if You are in any doubt over the cover.

Third Party Liability: If You use a motorised vehicle (e.g. car, motor cycle, moped or scooter), sail or powered boat, or an airborne craft, no liability cover will apply under this policy and You must ensure that You have cover for third party injury or property damage in place.

Cancellation rights
If your cover does not meet your requirements, you may cancel cover within 14 days of receiving your insurance document/certificate and return all your documents for a refund of your premium, provided you have not travelled, made a claim or intend to make a claim. To cancel the policy contact Directline Holidays on 0871 472 4635.

Claims and Complaints Procedure

2013 – For policies issued on or after 1st January 2013

Making a claim
Claim forms can be downloaded via www.rpclaims.com / www.rpclaims.mobi (optimised for mobile browsing) or by telephoning Rightpath Claims on 0844 888 5044 and requesting a claim form. Once received, complete and return to Rightpath Claims, Airport House, Purley Way, Croydon CR0 0XZ. All claims must be notified within 31 days by completing the relevant claim form enclosing any original documentation, where applicable. Please refer to the relevant section of your policy for specific conditions and details of the supporting evidence. It is advisable to retain copies of all documents when submitting your claim form. For full details of the claims process, please refer to your policy document.

Making a complaint
We recognise the importance of service and set ourselves high standards. Should there be an occasion when we do not meet your expectations, we are equally committed to dealing with any complaint in a thorough and professional manner.

Full details of our complaints procedure can be found on back cover of the policy wordings.

2012 – For policies issued on or after 1st January 2012

Making a claim
Claim forms can be downloaded via www.rpclaims.com / www.rpclaims.mobi (optimised for mobile browsing) or by telephoning Rightpath Claims on 0844 887 0306 and requesting a claim form. Once received, complete and return to Rightpath Claims, Airport House, Purley Way, Croydon CR0 0XZ. All claims must be notified within 28 days by completing the relevant claim form enclosing any original documentation, where applicable. Please refer to the relevant section of your policy for specific conditions and details of the supporting evidence. It is advisable to retain copies of all documents when submitting your claim form. For full details of the claims process, please refer to your policy document.

Making a complaint
We recognise the importance of service and set ourselves high standards. Should there be an occasion when we do not meet your expectations, we are equally committed to dealing with any complaint in a thorough and professional manner.

Full details of our complaints procedure can be found on back cover of the policy wordings.

If you are not satisfied with the final response you can refer the matter to the Financial Ombudsman Service.


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 it cannot meet its obligations. This depends on the type of business and the circumstances of the claim. Insurance cover is limited up to 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit.

Further information about the compensation scheme arrangements is available from the FSCS, telephone number 020 7892 7300, or by visiting their website at www.fscs.org.uk.