Please read this document carefully. It sets out a summary of the key features of cover provided by this insurance. Please note, the full terms and conditions of this insurance are detailed in the policy document.

The Insurer

The insurance provided is underwritten by Professional Travel Insurance Company Limited.

Type Of Insurance And Cover

Cover is provided for a range of travel insurance benefits. You can select either single trip cover, to the geographical area you specify, or annual multi trip cover for worldwide travel.

Significant Features And Benefits

The following significant features and benefits are a summary only and you should also refer to the policy wording and other policy documentation for full details, as limitations, conditions and exclusions may apply.

Policy Cover

The following benefits are available depending upon the cover option you choose:

• Loss of deposits or payment for unused travel and accommodation in the event that you cancel or curtail your trip due to a covered event (for example, if you were too ill to travel).
• Payment for certain overseas medical emergency treatment, hospital and other expenses, should you sustain accidental injury or suffer illness while on your trip. Medical cover is subject to certain conditions and exclusions so please refer to the policy wording for more information.
• Payment of a specified amount for certain travel delay and abandonment claims, at particular times prior to and during your trip.
• Lump sum benefit payment if an accident whilst on a trip causes your death or permanent total disablement.
• Additional travel and accommodation expenses necessary to reach your booked destination, in certain circumstances, when you have missed your departure.
• Loss of or damage to your personal baggage, cash and/or documents during the trip. (Please note that claims will be subject to limitations and excesses, as well as making proper allowances for wear, tear and depreciation in value).
• Certain costs for the necessary emergency purchase of replacement items should your baggage be delayed on the outward journey for the specified duration.
• Cover for a specified amount should your means of transport be subject to a hijack during the planned trip for a certain period of time.
• Personal liability cover in the event you accidentally injure a third party or damage their property whilst on your trip.
• Legal proceedings cover in the event you or any person insured by this policy incur injury or death on the trip.
• Cover for a replacement business college to continue your trip should you need to cancel your trip due to an unforeseen occurrence (please read Section 1 Cancellation) and cover for business equipment and documentation (please read Section 8 Baggage). Please note this cover is only available if you have purchased a Frequent Traveller Annual Multi Trip Executive (please refer to your insurance schedule).

The following cover is applicable only where a winter sports policy has been issued (please refer to your insurance schedule)

• Emergency medical expenses and personal liability cover is extended whilst participating in winter sports. Please note that the Ski Federation Code must be abided by and not all winter sports activities are covered by this insurance.
• Cover if the pistes in your resort are closed due to lack of snow or bad weather conditions, preventing you from undertaking winter sports activities. Please note that cover is only provided if you are at the resort during the months that constitute the regular ski season.
• Lost, stolen, damaged or delayed winter sports equipment.
• Cover for the value of your ski school fees, lift pass or winter sports hire equipment in the event you are unable to ski due to an accident or illness, or your lift pass is lost or stolen. Please note medical and baggage conditions apply.
• Cover for the value or repair of your own or hired winter sports equipment if it is lost, stolen or damaged during the trip.

Further details of the cover options available to you, including the maximum benefit amounts, are given in the insurance schedule.

Significant Exclusions

The most significant policy exclusions are:

Medical conditions –There is no cover for any medical condition for which you have received medication, advice, investigations or treatment for in the last 12 months, unless such medical conditions have been accepted by us in writing. Cancellation and curtailment claims relating to third parties are only covered provided they have not suffered from a medical condition in the last 6 months, or 6 months before the trip was booked (whichever is later). There is no cover for a trip booked or commenced against medical advice, or after receiving a terminal prognosis, or for the purpose of obtaining medical treatment or convalescent care.
For full details please read Sections 1 and 2 Cancellation, Curtailment and Section 3 Emergency Medical Expenses/Repatriation of the policy wording.

Sports/Hazardous Activities – There is no cover for loss or expenses resulting directly or indirectly from participation in sports and hazardous activities, unless they have been notified to us and accepted by us in writing.
For full details please read General Conditions (D) of the policy wording.

Personal Baggage – Payment for loss or damage to personal property is subject to the maximum limits and excesses for any one article, pair or set and for valuables, there is a total limit. Payment for baggage claims may also take into account wear and tear and depreciation in value. Cover for watches and jewellery is only provided if the items were taken as part of a mugging or if physical violence was used.
For full details please read Section 8 Baggage of the policy wording.

Money – There is no cover for loss or theft of credit cards.
For full details please read Section 8 Baggage and Section 9 Cash and Documents of the policy wording.

Personal Liability – There is no cover for Personal Liability arising directly or indirectly from ownership, possession or use of any motorised vehicles.
For full details please read Section 12 Personal Liability of the policy wording.

Significant Limitations

The most significant policy limitations and conditions are:

Country Of Residence – To be eligible for this insurance you must have resided in the UK for at least 12 months and travel must commence from the UK. Persons residing in Eire will be covered, providing as extra premium has been paid.

Reasonable Care – You are required to take reasonable care to protect yourself and your property and act at all times as though you were not insured.

Personal Money And Baggage Claims – Any loss of money or personal baggage must be reported to the police within 24 hours of discovery and a written police report obtained.
For full details please read Section 8 Baggage and Section 9 Cash and Documents in the policy wording.

Medical Claims – You must contact the Assistance Service immediately should you be admitted to hospital or require on going out-patient treatment. All treatment or expenses must be authorised by the Assistance Service.
For full details please read Section 3 Emergency Medical Expenses/Repatriation in the policy wording.

Winter Sports – Emergency medical expenses and personal liability covers are subject to you abiding by the Ski Federation Code. There is no cover for piste closure if you purchase your winter sports policy within 14 days of commencing your trip.
For full details please read Section 14 Winter Sports Cover and Section 15 Piste Closure in the policy wording.

Duration Of Cover

Single Trips – Section 1 Cancellation cover is effective from the time and date of issue of the insurance schedule and terminates on commencement of the planned trip.

For all other sections, cover commences when you leave your home or business (whichever is the later) to commence the trip and terminated on whichever occurs first of the following: (1) The expiry of the period of cover; (2) Your return home as planned at the end of the trip; (3) Your first return home prior to the planned return at the end of the trip (except in the case of Globetrotter policies, where if you return to the UK within the planned trip dates, cover will be suspended from the time you arrive in the UK and will only resume once you leave immigration control in the country of your next ticketed destination).

Frequent Traveller Annual Multi Trips – Section 1 Cancellation cover for each trip is effective from either the start date on the insurance schedule or the time and date at which each trip is booked (whichever is the later), and terminates on whichever occurs first of the following: (1) The commencement of each trip, or (2) The expiry of the period of cover.

For all other sections, cover commences when you leave your home or business (whichever is later) to commence each trip and terminates on whichever occurs first of the following: (1) The expiry of the period of cover; (2) Your return home as planned at the end of each trip; (3) Your first return to your country of residence prior to the planned return date at the end of each trip; (4) Your period of travel exceeding the trip limit specified in your insurance schedule.

Cancellation Rights

If after insuring with us and receiving the full written policy details including the insurance schedule, you subsequently change your mind regarding the insurance you have purchased, you have 14 days to notify us that you do not wish to continue with the insurance cover. This right will be confirmed to you in the policy schedule. A pro-rata charge may be made for the time you have been on cover.

Claims

For emergency assistance please contact Specialty Assistance Services
By telephone
+44 (0) 870 905 8545
By fax
+44 (0) 870 905 8560
By email
assistance@specialty-group.com

For all other claims please contact Claims Settlement Agencies Limited :
By telephone
0870 366 9366
By fax
0870 366 9367
By email
info@csal.co.uk

Complaints

If you are not happy with any aspect of this insurance cover, claims service or assistance service you should contact The General Manager, Columbus Direct, 41-42 Southgate Place, Southgate, Chichester, West Sussex PO19 1ET, or, Professional Travel Insurance Company Limited’s Representative, 11 Century House, Priestley Road, Basingstoke, Hampshire RG24 9RA.

Compensation Arrangements

You may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) in the event that your insurers do not have enough money to pay a claim. The FSCS can pay up to £2,000 for the first part of your claim and 90% of the remainder of the claim. Further information about compensation scheme arrangements is available from the FSCS.

DIRECTIVE REQUIRED INFORMATION

Information About The Insurer

This insurance is underwritten by Professional Travel Insurance Company Limited (PTI), whose registered address is:
Suite 935
Europort
PO Box 793
Gibraltar

PTI are registered in Companies House (Gibraltar) Ltd, 317 Main Street, P.O. Box 848, Gibraltar. Reg no. 33927

PTI is authorised and regulated by the Financial Services Commission (FSC) in Gibraltar. The FSC holds a register of all regulated firms on its website (visit www.fsc.gi)