Your Travel Insurance Policy Summary and Policy Wording Policy Number: 011012 Premier Policy Number: 011012 Advance Policy Number: 011012 Advance (Graduate) • Call the Medical Assessment team to tell them about any pre-existing serious, chronic or recurring illness, injury or disease – see the Medical Declaration for details. Failure to disclose medical conditions before booking trips will result in no cover being provided for claims arising from the undisclosed condition. You must also disclose any serious, chronic or recurring illness, injury or disease suffered by anyone upon whose health your travel plans depend, such as a close relative or travelling companion • Cover is for you, your domestic partner (providing you are both under 70 years of age) and your children under 18 years of age (or under 23 if in full time education) • All insured persons must be UK residents • For holidays in the UK, Channel Islands and Isle of Man, you need at least 2 consecutive nights pre-booked holiday accommodation for the trip to be covered • Trips should be no longer than 31 days and must start and end in the UK Please note there is no cover at all for any trip that is longer that 31 days and we will not insure any part of a trip that is longer than 31 days • No need to register before you travel Please take time to read this booklet as it contains important information about your Worldwide Travel Insurance. You must also ensure you keep any documentation we may require to support a claim. Section 1 is your Policy Summary and this gives you brief details of the cover provided by your insurance. Section 2 is your Policy Wording and fully explains the limits and conditions of your insurance.
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Your Travel InsurancePolicy Summary and Policy WordingPolicy Number: 011012 PremierPolicy Number: 011012 Advance Policy Number: 011012 Advance (Graduate)• CalltheMedicalAssessmentteamtotellthemaboutanypre-existingserious,chronicorrecurringillness,injuryordisease–seetheMedicalDeclarationfordetails.Failuretodisclosemedicalconditionsbeforebookingtripswillresultinnocoverbeingprovidedforclaimsarisingfromtheundisclosedcondition.Youmustalsodiscloseanyserious,chronicorrecurringillness,injuryordiseasesufferedbyanyoneuponwhosehealthyourtravelplansdepend,suchasacloserelativeortravellingcompanion
24-hour Medical Emergency AssistanceIfyouareinjuredorfallillwhileyouareaway,contactthishelpline.TellthemyouareinsuredwithHSBCPremierandtheywilltakefulldetailsofyouremergencyandadviseyouhowtoproceed.
Other Claims Helplines and Customer Services HelplineShouldyouneedtomakeaclaimunderthispolicy,pleasecontacttheappropriatetelephonenumbershownbelow.Linesopenasshownbelow.
24-hour Medical Emergency Assistance Ifyouareinjuredorfallillwhileyouareaway,contactthishelpline.TellthemyouareinsuredwithHSBCAdvance/Advance(Graduate)andtheywilltakefulldetailsofyouremergencyandadviseyouhowtoproceed.
Legal Expenses Claims and AdviceUsethisnumbertoreportanylegalexpensesclaimorifyourequireadviceforanypersonallegalproblemthatmayleadtoaclaimunderthepolicy.
FCO Travel Advice – Know Before You GoAsapartnerintheKnowBeforeYouGocampaign,weareworkingwiththeForeignandCommonwealthOffice(FCO)tohelpBritishtravellersstaysafeoverseas.BeforeyougooverseascheckouttheFCOwebsiteatwww.fco.gov.uk/travel,itispacked withessentialtraveladviceandtipsplusup-to-dateinformationaboutdifferentcountries. ContacttheFCOon08458502829.Wearenotresponsibleforthecontentofotherwebsites.
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Guide to your HSBC Travel Insurance policyContents Page
PLEASE ENSURE YOU READ THIS SECTION PLEASE ENSURE YOU READ THIS SECTION
Pre-existing medical conditions – important declarations you must make
Pre-existing medical conditions are not covered at any time under this policy unless they have been disclosed to and accepted in writing by the Medical Assessment team.
It is important that you read and fully understand the Medical Declaration on page 20 of this booklet.
IfthehospitaladmissionorreferraltoaConsultant/Specialistisinrelationtoanewmedicalconditionoraconditionthathaspreviouslybeenacceptedbyus,Cancellationcoverwillapply.Iftheinsuredpersonstillwishestotravel,theMedicalAssessmentteamwilladviseifcoverwillapplywhilstonthetrip.As the Travel Insurance cover will continue for as long as the account holder has a qualifying bank account, and he/she remains eligible for the cover, you must tell the Medical Assessment team about any change in the status or control of any condition previously declared or if you or anyone upon whose good health the trip depends develops another medical condition.
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PLEASE ENSURE YOU READ THIS SECTION
Your policy cover
Name of relevant policy section What are the benefits and features?
Personal Accident •Abenefitispaidfordeathorlossoflimbs/sightorpermanenttotaldisablementfollowingaccidentalinjurysolely,directlyandindependently ofanyothercauseduringyourtrip.
Personal Liability •Coverforyourlegalliabilityifyoucauseaccidentalinjuryordeathtothirdpartiesordamagetotheirpropertyduringyourtrip.
Pet Care •Abenefitforeach24hoursthatyourcatordogreceivesin-patientveterinarytreatmentasaresultofsufferingaccidentalinjurywhilstbeingcaredforintheUKduringyourtrip.
PLEASE ENSURE YOU READ THIS SECTION PLEASE ENSURE YOU READ THIS SECTION
Personal Money •Coverforlossortheftofyourpersonalmoneyincludingcash,travellers’cheques,traveltickets,passportordrivinglicenceduringyourtrip.•Alimitappliestocashandbanknotesandareducedbenefitappliestocashandbanknotesforinsuredpersonsunder16years.
What are the significant or unusual exclusions or limitations?
• Cancellation Charges
• Abandonment
Wewillnotpayclaims:•forpre-existingmedicalconditions,unlessdisclosedtoandacceptedby theMedicalAssessmentteam•forcancellationwhereyouknew,atthetimeofopeningyourqualifying bankaccountorbookingyourtrip(whicheverislater),thatyouwouldbeunable to travel
Personal Liability Wewillnotpayclaimsarisingfrom:•yourjob•theuseofanimals,firearms,motorisedvehicles,vesselsoraircraft (exceptwherementionedintheLeisureactivities,activitybasedholidays orwintersportsactivitiessection).
How do I make a claim?Shouldyouneedtomakeaclaimunderthispolicy,pleasecontacttheappropriatehelplineforthequalifyingaccountdetailedatthefrontofthisbooklet.
Complaints ProcedureHow do I make a complaint?Wehopethatyouwillbeveryhappywiththeservicethatweprovide.However,ifforanyreasonyouareunhappywithit,wewouldliketohearfromyou.Inthefirstinstancepleasecontactyourusualpointofcontact.AvivaiscoveredbytheFinancialOmbudsmanService.Ifyouhavecomplainedtousandwehavebeenunabletoresolveyoucomplaint,youmayreferittothisindependentbody.Followingthecomplaintsproceduredoesnotaffectyourrighttotake legalaction.
Would I receive compensation if Aviva were unable to meet their liabilities? AvivaisamemberoftheFinancialServicesCompensationScheme(FSCS).Youmaybeentitledtocompensationfromthisschemeif wecannotmeetourobligations,dependingon thetypeofinsuranceandthecircumstances ofyourclaim.FurtherinformationabouttheFSCSarrangementsisavailablebycontactingthemon08006781100,orbyvisitingtheirwebsiteatwww.fscs.org.uk,orwritetoFinancialServicesCompensationScheme,10thFloor,BeaufortHouse,15StBotolphStreet,LondonEC3A7QU.
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Summary of Cover - Limits and ExcessesPleaseusethetablebelowasasummaryonly.Thefulldetailsofyourpolicycoverareexplainedinthepolicywording.
Section Coverage Policy Limits per Person per Trip (unlessotherwisestated)
Excess per person, per incident (unlessotherwisestated)
Other Important Information about Your PolicyEligibilityYouwillbeaskedquestionstoestablishyoureligibilityforthisTravelInsuranceandyourawarenessoftheneedtodisclosepre-existingmedicalconditionssufferedbyyou,atravellingcompanionorcloserelative.PleasereadtheMedicalDeclarationonpage20andcontacttheMedicalAssessmentteamifrequiredtodoso.IfyouareinanydoubtastowhatmedicalinformationshouldbedisclosedpleasecontacttheMedicalAssessmentteam.Ifanychangesariseduringtheperiodofinsurancecoverpleaseprovidetheinsurerwithdetails.HSBCBankplcandtheinsurerrecommend youkeeparecord(includingcopiesofletters) ofallinformationprovidedtotheinsurerforyourfuturereference.
Data Protection Act – Information UsesForinsurancepurposesHSBCBankplcandtheinsurermayuseanypersonaldatayousupply asfollows:
Fraud Prevention and DetectionInordertopreventanddetectfraudHSBCBankplcandtheinsurermayatanytimeshareinformationaboutyouwithotherorganisationsandpublicbodiesincludingthePolice.Youshouldshowthesenoticestoanyonewhohasaninterestintheinsuranceunderthepolicy.
Welcome to your HSBC Travel Insurance TheHSBCTravelInsurancecoversetoutinthispolicywordingisincludedwithyour qualifying bank account.Thispolicywordinggivesyoufulldetailsofwhatiscovered,whatisnotcoveredandthelimitsandconditionsofcover.Pleasereadthepolicywordingcarefully,keepitinasafeplaceandtakeitwithyouwhenyoutravel.Youmustcomplywiththepolicyconditions.Ifyoudonotcomply,we may refuseorreduceyourcoverintheeventofaclaim.
DefinitionsWhereverthefollowingwordsorphrasesappearinboldinthispolicywording,theywillhavethefollowingmeanings.Abandon/Abandonment ReturningtotheUK beforeyour scheduledreturndate(includingbeingrepatriatedbyus to a hospital),orbeinganin-patientinhospitalformorethan24hoursduringyour trip.Account holder Anypersonnamedasanaccountholderonthequalifying bank account,whoisunder 70yearsofageatthestartdateofthetrip.Close Business Associate Someone you workwithintheUK whohastobeinworkinorderforyou to be able to go on or continue a trip.Aseniormanagerordirectorofthebusinessmustconfirmthisintheeventofaclaim.Close Relative Your mother,father,sister,brother,marital/civilordomesticpartnerwholiveswithyou,fiancé(e),daughter,son,grandparent,grandchild,parent-in-law,daughter-in-law,son-in-law,brother-in-law,sister-in-law,step-parent,step-child,step-sister,step-brother,aunt,uncle,cousin,nephew,niece,legalguardianorfosterchild.Doctor AregisteredmemberofthemedicalprofessionpractisingintheUK whoisnotrelatedtoyou or anyone you aretravellingwith.Excess/Excesses Theamount(s)thatyou willhavetopaytowardsanyclaim.Thisappliestoeachclaimpersection,whereapplicable.Home Your homeaddressintheUK. HSBC Bank plc HSBCBankplc,registeredinEnglandnumber,14259,registeredoffice:8CanadaSquare,London,E145HQ.
Loss of One or More Limbs Thelossofyour handorfootatorabovethewristorankle,orthetotalandpermanentlossofuseofyour entirehand,arm,footorleg.Office-based business travel TraveloutsideoftheUK, ChannelIslandsandIsleofMan,ifthereasonforyourjourneyistocarryoutwhollyoffice-basedclericaloradministrativedutiesonly,whichdoesnotinvolveyou dealing withmembersofthepublic.Office-basedbusinesstravelislimitedtoamaximumof31daysinanycalendaryear.Partner Thepersonthattheaccount holder liveswithathome inadomesticrelationship,whethermarriedorcohabiting(asifhusbandandwife),regardlessofgender,whoisunder70yearsofageatthestartdateofthetrip.Period of Insurance Eachtrip you make,whilstthequalifying bank account isinforce,willbetreatedasaseparateperiodofinsurance;individuallysubjecttoallpolicyterms,conditions,warrantiesandexclusions.Coverforeachseparatetripappliesasfollows:•Cancellationcoverbeginsfromthedateofopeningthequalifying bank accountorthedate ofbookingeachseparatetrip(whicheverislater)andendswhenyou leave your hometostart your trip.•Coverunderallothersectionsstartswhenyou leave your homeandendswhenyou return homeprovidingthatyoudonotexceedthetrip limit.ThemaximumtimeyoucanspendoutsideoftheUK, ChannelIslandsandIsleofManinanycalendaryearis183daysintotal.Permanent Total Disablement Apermanentandtotaldisabilitythatmeansyou cannotdoanykindofjob.Personal Money Cash(includingforeigncurrency),travellers’cheques,non-refundablepre-paideventandentertainmenttickets,traveltickets,passportsanddrivinglicences.Point of International Departure Theairport,portorstationfromwhichyouwillundertakeinternationaltravelfromorintotheUK.Pre-booked Holiday Accommodation Acommerciallyrunpremiseswhereafeeischargedwhichhasbeenbookedpriortothedepartureofyour trip,includingaprebookedtentorcaravanpitch,butnotincludingresidentialpropertiesbelongingtofamilyorfriends.
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Qualifying Bank Account HSBCPremier HSBCAdvance/HSBCAdvance(Graduate)Total Loss Of Sight Completeandpermanentlossofsight.Travelling Companion Apersonyou travelwith,withoutwhomyou cannotmakeorcontinueyour trip.Trip(s) JourneysbeginningandendingintheUK thatlastnomorethan31daysthatareeither:•holidaysoutsidetheUK, ChannelIslandsandIsleofMan;or•Office-based business traveloutsidetheUK, ChannelIslandsandIsleofMan;or•holidayswithintheUK, ChannelIslandsandIsleofMan,thatincludetwoormoreconsecutivenightsstayinpre-booked holiday accommodation.ImportantNotes:1.Coverforwintersportsholidaysislimitedto21daysintotalinanycalendaryear.2.Coverforoffice-based business travelislimitedto31daysintotalinanycalendaryear.UK England,Scotland,WalesandNorthernIreland,UK Resident An insured person whosemainhome isintheUK,whoisregisteredwithadoctor intheUK and whoisliabletopaytaxesintheUK.YoumusthavebeenresidentintheUK, ChannelIslandsandIsleofManforatleast6monthsbeforethequalifying bank accountwasopenedorthetripwasbooked(whicheverislater).Unattended Not in your fullvieworpositionedwhereyou areunabletopreventunauthorisedtakingofyour property,unlessitisleftinalockedroomorsafe.Propertyleftinamotorvehicleisunattendedunlessthevehicleislockedandtheitemshavebeenplacedoutofviewinanenclosedstoragecompartment,bootorluggagespace.Valuables Jewellery,costumejewellery,watches,itemsmadeoforcontaininggold,silver,preciousmetalorpreciousstones,binoculars,handheldgamesconsolesandequipment,mobilephones,audiovisual,photographic,videocamera,computerandtelevisionequipment,portablein-carandhandheldsatellitenavigationdevices.We, Us, Our, Insurer AvivaInsuranceLimited.RegisteredinScotland,No2116.RegisteredOffice:Pitheavlis,PerthPH20NH.Authorised andregulatedbytheFinancialServicesAuthority.
General Exclusions which apply to the whole travel policyThispolicydoesnotcoverthefollowing:1.Anyconsequencewhatsoeverwhichisthedirectorindirectresultofanyofthefollowing,oranythingconnectedwithanyofthefollowing,whetherornotsuchconsequencehasbeencontributedtobyanyothercauseorevent:a.war,invasion,actofforeignenemy,hostilitiesorawarlikeoperationoroperations(whetherwarbedeclaredornot),civilwar,rebellion,revolution,insurrection,civilcommotionassumingtheproportionsoforamountingtoanuprising,militaryorusurpedpower.b.anyactiontakenincontrolling,preventing,suppressingorinanywayrelatingtoa)above.2.Claimsdirectlyorindirectlycausedby:a.ionisingradiationorcontaminationbyradioactivityfromanynuclearfuelorfromanynuclearwastefromburningnuclearfuel;orb.theradioactive,toxic,explosiveorotherhazardouspropertiesofanyexplosivenuclearassemblyornuclearpartofanassembly;orc.pressurewavescausedbyaircraftandotheraerialdevicestravellingatsonicorsupersonicspeeds.3.Anyclaimforyourdeath,injuryordisabilityresultingfrom;a. yoursuicideorattemptedsuicide,orb. youmisusingorbeingunderthedirectorindirectinfluenceoreffectofalcoholordrugs(otherthandrugstakenundermedicalsupervisionandnotfortreatingalcoholordrugaddiction).4.Anyclaimwhereduringthetrip, you deliberatelyputyourselfatriskofdeath,injury,Illnessordisability(unlessyouweretryingtosavehumanlife).5.Claimsresultingfromanytouroperator,travelagent,airlineorotherserviceproviderbecoming
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insolventandnotbeingableorwillingtocarryoutanypartoftheirdutytoyou.6.Anylossthatisnotspecificallydescribedinthestatedtermsandconditions,e.g.wewillnotpayforlossofearningsifyou are unable to return to workduetoinjuryorillnessduringyour trip.7. Wedonotcoveranypayment,whichyou wouldnormallyhavemadeduringyourtravelsand/orwhichdoesnotfallwithintheeventsinsuredunderthetermsofthisInsurancepolicy.8.Anyclaimthatresultsfromanyanxietystate,depression,mental,nervousoremotionaldisorderwhichhadbeendiagnosedbeforeyouopenedthequalifying bank accountorthetripwasbooked,(whicheverislater)9.Anyclaimforanincidentoccurringduringthetripthatresultsfrom:a. youflying(exceptwhiletravellinginanaircraftasapassenger)ortakingpartinotheraerialactivitiesnotlistedintheLeisureactivities,activitybasedholidaysandwintersportssection.b. youusingascooter,mopedormotorcycleasariderorpassengeronamachine;i. 125ccorunder;unlessyouwearacrashhelmetand,asarider,youarefullylicensedtousesuchavehicleintheUK ii.over125cc;unlessthisisyourmodeoftransportfromtheUK and youwearacrashhelmetandappropriateprotectiveclothing;and,asarider,youarefullylicensedandinsuredtousethisvehicleintheUK c. youusingaSegway,quadbikeorallterrainvehicleonoroffroadasariderorpassengerd. youdrivinganymotorisedvehicle,unlessyou arefullylicensedtodrivesuchavehicleintheUK e. youusinganymotorisedvehicleasadriverorpassenger,unlessyouhavecompliedwithalllawsapplyingtouseofthatvehicleinthecountryyou arevisiting,forexample,youmustwearaseatbeltwherethisisrequiredbylawf. yourinvolvementinpaidorunpaidmanualworkorphysicallabourofanykind,otherthanCharityandConservationworkasshownintheActivitybasedholidayssectiong. youtakingpartinaleisureactivity,activitybasedholidayorwintersportsactivitynotlistedintheLeisureactivities,activitybasedholidaysandwintersportactivitiessectionh. youtakingpartinexpeditions.10.Anyclaimresultingfromatropicaldiseasewhereyouhavenothadtherecommendedinoculationsand/ortakentherecommendedmedication.
General Conditions which apply to the whole travel policy1.Theaccount holdermusthaveaqualifying bank account.2. Itisyourresponsibilitytoprovidecomplete andaccurateanswerstothequestionsaskedwhenyouopenthequalifying bank account andtotelltheinsurer about yourhealthand thehealthofanyoneelseyourtravelplans dependon.Itisthereforeveryimportantthat youreadtheMedicalDeclarationonpage20.Pleasenotethatifyoufailtodiscloseanymedicalinformationtousthiscouldinvalidateyour insurancecoverandcouldmeanthatpartorallofaclaimmaynotbepaid.3. Youmusttakereasonableprecautionstoprotectyourself and yourpropertyagainstanyaccident,injury,theft,lossordamage.4.Ifwemakeapaymentbeforecoverisconfirmedandourclaimsinvestigationrevealsthatnocoverexistsunderthetermsofthepolicy,youmustpayusbackanyamountwehavepaid,whichyouarenotcoveredfor.5. Youmusttellusassoonaspossibleafteranyinjury,illness,incidentorredundancy,orifyoudiscoveranylossordamagewhichmayleadtoaclaimunderthispolicy.Youmustalsotell usifyouareawareofanylegalproceedings,summonsorprosecution.Youmustsendus everycommunicationrelatingtoaclaimassoonasreasonablypracticable.6. You,oranypersonactingforyou,mustnotnegotiate,admitorrejectanyclaimwithoutour permissioninwriting.7. Wemayrefusetopayanyexpensesforwhichyoucannotprovidereceiptsorbills.8. You or yourlegalrepresentativemustpayforanycertificates,informationandevidence,whichwemayneed.Whenthereisaclaimforinjuryorillness,wemayaskfor,andwillpayfor,any
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insured persontobemedicallyexaminedonour behalf.Wemayalsoaskfor,andwillpayfor,apost-mortemexaminationifanyinsured persondies.9.If,atthetimeofanincidentwhichresultsinaclaimunderthispolicy,thereisanyotherinsurancecoveringthesameloss,damage,expenseorliability,weareentitledtoapproachthatinsurerforacontributiontowardstheclaim,andwillonlypayour share.ThisconditiondoesnotapplytothePersonalAccident,HolidayDisruptionorHospitalBenefitcover.10. Weareentitledtotakeoverandcarryoutinyournamethedefenceorsettlementofanylegalaction.Wemayalsotakeproceedingsatourownexpenseandforourownbenefit,butinyour name,torecoveranypaymentwehavemadeunderthispolicytoanyoneelse.11. Youcannottransferyourrightsunder thispolicy.Aperson,partnership(whetherlimitedornot)orcompanywhoisnotinsuredunderthepolicyhasnorightsundertheContracts(RightsofThirdParties)Act1999toenforceanyofitsterms.12.Ifyoumakeamedicalclaimyou may be askedtosupplyyour doctor’s name to enable ustoaccessyourmedicalrecords.Thiswillhelpthetreatingdoctors,andus,toprovideyou withthemostappropriatetreatmentandassesswhethercoverapplies.Ifyou do not agree to providethiswemaynotdealwithyourclaim.13.Followingtheexpiryofyourstatutorycoolingoffperiod,youcontinuetohavetherighttocancelyourTravelInsurancepolicyatanytimebycontacting HSBC Bank plc,butnorefundofanyfeespayableinrespectofyour qualifying bank accountwillbeavailable.14. Wecan,atanytimeandaftertakingafairandreasonableview,makechangestoyourpolicycoverand/ortermsandconditionsofinsuranceto:•reflectchangesinourexpectationofthefuturecostofprovidingcoverandadministeringyourpolicy•reflectchangesinthelaw,regulationortaxationthataffectsusoryourpolicy.Changeswillbenotifiedtoyouinwritingatleast30daysbeforetheybecomeeffective.Policycovermaybeincreasedordecreased. 15. We (or any agent weappointandwhoactswithourspecificauthority)maycancelthispolicybysending30daysnoticetoyourlastknownaddress.
Helpful and important information about your insurance This policy is not a general health or private medical insurance policy and will only cover you if you have a sudden and unexpected accident or become ill. It does not cover:
• non emergency treatment, or • any treatment that you knew you might need whilst on your trip, or• claims arising from any pre-existing medical conditions unless declared to and accepted in writing by the Medical Assessment helpline.It is therefore very important that you read the Medical Declaration on page 20, and provide complete and accurate information. The Medical Declaration applies each time you book a trip under your HSBC Travel Insurance policy; it applies to all insured persons and anyone else upon whose good health your trip depends, even if they are not travelling with you.
24-hour Worldwide Medical Emergency Assistance ServiceThecostoftheMedicalEmergencyAssistanceServicewillbemetunderthisHSBCTravelInsurance.Theservicewillbegovernedbytheterms,conditionsandexclusionsinthispolicyandwillbeoperatedbyourappointedMedicalEmergencyAssistanceprovider.Ifanyillnessorinjurymeansthatyou need to go intohospitalasanin-patientoryouaretoldbythetreatingdoctorthatyouaregoingtorequiretestsorinvestigationsasanout-patient,youmustcalltheMedicalEmergencyAssistancehelplinenumbershownatthefrontofthisbookletbeforeyoumakeanyarrangements.Ifthisisnotpossiblebecausetheconditionisserious,youmustcontactthehelplineassoonaspossibleafteryougointohospital.AnexperiencedMedicalEmergencyAssistanceco-ordinatorwilldealwithyourenquiryandmakesurethat:1.wherenecessary,hospitalsarecontacted;and/or2.necessarymedicalfeesareguaranteed;and/or3.medicaladvisersareconsulted.IfyouneedtoreturntotheUKforanyreason,itisalsoimportantthatyoucontacttheMedicalEmergencyAssistancehelplinenumbershownatthefrontofthisbookletbeforeyoumakeanyreturnjourneyarrangements.ItmayaffectyourclaimifyoudonotcontacttheMedicalEmergencyAssistancehelpline.
Amendments to your cover Youcanupgradefromthestandardcoverfortheextensionsshownbelow.Ifyouneedanupgrade,pleasecalltheUpgradehelplinenumbershownatthefrontofthisbookletforfurtherinformationandaquotation.•ExtendedTripDuration–you may be able toextendanindividualtripfromthestandard 31daylimit.
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•Golf–increasedcoverforloss,damageor theftofyourgolfclubs.•IncreasedCancellation/AbandonmentCover–wherethecostofyourholidayismorethan£5,000,youcanupgradetoamaximumsuminsuredof£7,500perperson.•ScubaDiving–theupgradewillallowyou to divetoadepthof30metres,providingyou are qualifiedanddivingwithaqualifieddivemaster orinstructor.
Automatic CoverTheinsurancecoverautomaticallyappliesforeachtrip;thismeansyoudonothavetocontactus every time youbookatrip,unlessyou need to tell usaboutanychangetoapreviouslydisclosedmedicalconditionorthediagnosisofanewmedicalcondition.
Automatic Extension of Cover Ifyoucannotgetbackhomebeforeyour cover ends,yourinsurancewillremaininforceasfollows:1.upto14daysifanyvehicleyou are travelling in breaksdown,oranyvehicle,vessel,trainoraircraftinwhichyouaretravellingasaticketholdingpassengeriscancelledordelayed;or2.upto30daysifyou cannot return home due to youraccidentalinjuryorillnessorquarantine.WewillalsocontinuetopayformedicaltreatmentundertheEmergencyMedicalandAssociatedExpensessectionforthisperiodoranyextendedperiodthatisconsideredmedicallynecessarybyourMedicalEmergencyAssistanceproviderandagreed by us.
Automatic Termination of CoverAllcoverunderthisHSBCTravelInsurancepolicywillceaseautomatically:•iftheaccount holderclosesthequalifying bank account.•whentheaccount holderreaches70yearsofage.•ifyou are no longer a UK resident.Ifaninsured personisonatripatthetimeanautomaticterminationeventoccursallcover willceasewhenthetripends.Ifthequalifying bank accountisheldinjointnamesandanyaccount holderreaches70yearsofage,coverwillcontinueforanyothereligibleaccount holderandotherinsured persons until all account holdershavereached70yearsofage.
Changes we need to know aboutPleasecalltheMedicalAssessmenthelplineshownatthefrontofthisbookletimmediately
ifthereareanychangestoyourhealthorthehealthofanyoneelsethetripdependson,(eg,atravelling companion,oraclose relative even iftheyarenottravellingwithyou).PleaseseetheMedicalDeclarationfordetailsoftheinformationyou need to tell usabout.
Choice of Law ThelawofEnglandandWaleswillapplytothiscontract,unless:1. youandtheInsureragreeotherwise;or2.atthedateofthecontractyouarearesidentofScotlandorNorthernIrelandinwhichcase(intheabsenceofagreementtothecontrary)thelawofthatcountrywillapply.
Customers with Disabilities Thispolicyandotherassociateddocumentationarealsoavailableinlargeprint,audioandBraille.IfyourequireanyoftheseformatspleasecontactCustomerServicesonthehelplinenumber08457404404(viaTextRelayifappropriate)ortheTextPhoneservicenumber1800108457125563withintheopeninghoursshownonpages2and3.
Foreign and Commonwealth Office (FCO) TheFCOprovidestraveladvicetohelpUKresidentsmakejudgementsabouttravellingtoaparticularcountry,providingguidanceonstayingsafewhilstinthecountryandbeingawareofon-goingissuesthatmayinterferewithyourtravelplans.PleasenotethispolicydoesnotprovidecoverforCancellationorAbandonmentifyou decide not to travel or continue a tripbecausetheFCOhaveissuedadviceagainstalltravelorallbutessentialtraveltoaparticularcountry.IntheeventofsuchaTravelAdvisorybeingissuedforyourdestination,youshouldalwayscontactyourtouroperator/travelagentinthefirstinstance.Ifyou cannot rearrange yourtravel,youwillhavethefullbenefitofyourinsurancesolongasyou complywiththeadviceofthelocalauthorities,forexamplebyobservingcurfewrestrictionsandavoidingpublicgatheringsordemonstrationsandyoudonotputyourselfindanger.SpecificallypleasenoteGeneralExclusions1and4onpage15.
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Leisure activities, activity-based holidays and Winter Sports activitiesYouareautomaticallycoveredforclaimsarisingfromyourparticipationinanumberofleisureactivitiesonanincidentalandrecreationalbasis; orifyouhavebookedanacceptableactivity-basedholiday–seetheLeisureactivities,activitybasedholidaysandwintersportsactivitiessectionforfulldetails.
Reasonable Care Youmusttakethesamelevelofcareasyou wouldtakeifyoudidnothavethisinsurance. Youmusttakeallreasonableprecautionstoprotectyourselfandpreventaccidents,theft, lossordamage.
Reciprocal Health Agreements • European UnionIfyouaretravellingtocountriesintheEuropeanUnion,Iceland,Liechtenstein,NorwayorSwitzerlandwestronglyrecommendthatyoutakeaEuropeanHealthInsuranceCard(EHIC)withyou.Applicationformscanbeobtainedfromthepostofficeoronlineandshouldbecompletedandvalidatedbeforeyoutravel.Thiswillallowyoutobenefitfromthereciprocalhealtharrangementswhichexistwiththesecountries.Youshouldtakereasonablestepstousethesearrangementswherepossible.• AustraliaIfyourequiremedicaltreatmentinAustraliayou mustenrolwithalocalMedicareoffice.You do not need to enrol on arrival but youmustdothisafterthefirstoccasionyoureceivetreatment.In-patientandout-patienttreatmentatapublichospitalisthenavailablefreeofcharge.Detailsofhowtoenrolandthefreetreatmentavailablecanbefoundinthe‘HealthAdviceforTravellers’leafletwhichcanbeobtainedfromtheDepartmentofHealth.
Travel Assistant helplineTheTravelAssistantisahelplineservicethathelpsyousortoutallkindsoftravelproblems.Beforeyougo,andwhileyouareaway,TravelAssistantcanhelpyouwithawiderangeoftraveladvice,frominformationonthecountryorcountriesyouarevisitingtosortingoutnonmedicalemergenciesabroad.TheTravelAssistanthelplineserviceisavailable24hoursaday.Tousetheservice,pleasecallthehelplinenumbershownatthefrontofthisbooklet.SaythatyouareinsuredbyAvivaInsuranceLimitedthroughHSBC Bank plc.Pleasedonotcallthisnumberforpolicyqueriesorchanges.Advice before you travelTheTravelAssistanthelplineservicewillgiveyou advice on:•anyvisaandentrypermitsyoumayneed;•anynecessaryvaccinationandinoculationrequirements,andwhereyoucangetthemdone;•whatyoushouldtakewithyouregardingfirstaidandhealth;•whatcurrenciesandtravellers’chequestotakewithyou,andwhatthecurrentexchangeratesare;•thelanguagesspoken,timezones,bankholidaysandclimateofcountriesyouplantovisit;and•importandexportallowancesfortourists.While travellingTheTravelAssistanthelplineservicewillalsobeabletohelpyouwhileyou are on a trip by giving advice and guidance:•onhowtoreplacelostorstolenpassports,drivinglicences,airtickets,orothertraveldocuments;•onhowtotraceyourluggagewiththeairlineoperatorifitisdelayedorlost;
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•onwhy,how,whereandwhenyoushouldcontactlocalEmbassiesorConsulates;•onhowtotransfermoneyouttoyouifyou needit;•oncancellationofcreditcardsiflostorstolen,andhelpingyoutoreportthelosstoyour card provider;and•torelatives,friendsoremployersifyou are unfortunateenoughtogointohospital.Other emergency services while travelling•A‘phonehome’serviceifthereisanemergency.•Atranslationandinterpretationserviceifyou needit.Pleasenotethereisnochargefortheprovisionoftheadvice,guidanceandotheremergencyserviceswhiletravellingshownabove.However,ifyouwishustoobtaingoodsorservicesonyour behalfthatarenotcoveredbyaclaimunderthispolicy,youwillneedtopayanyfeestheproviderchargesandyouwillneedtoadheretotheprovider’stermsandconditions.
Trip LimitYouarecoveredforanytrip beginning and ending intheUKthatlastnomorethan31days;pleasemakesurethatthistripdurationisadequateforyourneedsbeforeyoutravel.Thereisnocoveratallforanytripthatislongerthan31daysandwewillnotinsureanypartofatripthatislongerthan31days.IfyourequirecoverforanextendeddurationpleasecalltheUpgradehelplinenumbershownatthefrontofthisbooklet,beforeyoubookyour holiday,toaskwhetherornotwecanextendthetriplimitunderthispolicy.
Use of languageUnlessotherwiseagreed,thecontractualtermsandconditionsandotherinformationrelatingtothiscontractwillbeinEnglish.
Your Cancellation RightsThisHSBCTravelInsurancepolicywillremaininforceaslongastheaccount holderhasanactivequalifying bank account.Youhaveastatutory14dayperiodinwhichtocancel your qualifying bank account.Thisperiodbeginsonthedateyouopenedthequalifying bank accountorwhenyou receive yourpolicybooklet,whicheverislater.TocancelthisTravelInsurancecoverthequalifying bank account mustbecancelled.Ifthequalifying bank account isnotcancelled,theTravelInsurancewillremainactiveuntilanautomaticterminationeventshownonpage18ofthisbookletoccurs,orthepolicyiscancelled
inaccordancewiththerightssetoutinGeneralConditionsofthisbooklet.Note:Ifajointaccount holderisnoteligiblefortheTravelInsurancetherewillbenorefundorreductioninthequalifying bank accountfee.
Medical Declaration Please read this very carefully as it may affect your cover:1. YoumustcontacttheMedicalAssessmenthelplinenumbershownatthefrontofthisbookletifatthedateyouopenedyour qualifying bank accountorwhenbookingatrip(whicheverislater),you:a. havereceivedadvice,medicationortreatmentforanyserious,chronicorrecurringillness,injuryordiseaseinthelast12monthsb.areunderinvestigationorawaitingresultsforanydiagnosedorundiagnosedmedicalconditionc.areonawaitinglistfor,orareawareoftheneedfor,in-patienttreatmentforanydiagnosedorundiagnosedmedicalconditiond.havereceivedaterminalprognosise.aretravellingagainsttheadviceofadoctor or wouldbetravellingagainstmedicaladviceifyou hadsoughtsuchadvicef. knowofanyclose relative,close business associate,travelling companionorpersonyou plantostaywith,(anduponwhosegoodhealthyour tripdepends)whohasaserious,chronicorrecurringillness,injuryordiseasewhichcouldaffectyourdecisiontotakeorcontinueyour trip.2. If,betweenbookingatripandthedeparturedate,youarereferredtoaConsultant/Specialistoradmittedtoahospital,yourpolicywillcoveryou forcancellationofyour trip.HoweverifyoustillwishtotravelyoumustcalltheMedicalAssessmenthelplinenumbershownatthefrontofthisbookletimmediatelyand wewilladviseyouifyouwillbecoveredforEmergencyMedicalandAssociatedExpensesorabandonmentclaimsrelatingtothiscondition.3. If,betweenbookingatripandthedeparturedate,anyoneuponwhosegoodhealthyour tripdepends,suchasaclose relative or your travelling companion,isreferredtoaConsultant/Specialistoradmittedtoahospital,yourpolicywillcover youforcancellationofyour trip.HoweverifyoustillwishtotravelyoumustcalltheMedicalAssessmenthelplinenumbershownatthefrontofthisbookletimmediatelyand wewilladviseyouifyouwillbecoveredforabandonmentclaimsrelatingtothiscondition.4. Ifyouoranyoneuponwhosegoodhealthyour tripdepends,isreferredtoaConsultant/Specialistoradmittedtoahospital,afteryouhavebooked
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your tripbutpriortopayinganyfinalbalancedueforyour trip,youmustcalltheMedicalAssessmenthelplinenumbershownatthefrontofthisbookletimmediately.Wewilladviseyouifyou willbecoveredforclaimsrelatingtothiscondition.Ifyoudonotdothisitwillaffectyourclaimifyou havetocancelyour tripbeforethedeparturedate.AmedicalendorsementletterwillbeissuedbytheMedicalAssessmenthelplineconfirmingwhetheror not yourHSBCTravelInsurancepolicyhasbeenextendedtocoverthemedicalcondition(s)youhavedeclared.AllcallstotheMedicalAssessmenthelplinearetreatedinthestrictestconfidence.
Leisure activities, activity based holidays and winter sports activitiesWhat is not coveredThereisnocoveratallforanyinjuryordeathif,duringyour trip,youtakepartinanyleisureactivity,activitybasedholidayorwintersportsactivity: a.thatisNOTshownbelowb.eitherasaprofessionalorwhereyou receive anyfinancialrewardorgain
Leisure activitiesThere is no cover where the main purpose of your trip is to take part in a leisure activity (unless shown as an Activity Based Holiday below).Youwillbecoveredwhilsttakingpartinthefollowingleisureactivities,subjecttoanylimitationshowninthetable.
Leisure Activity Limitations (applicable where shown)
Leisure Activity Limitations (applicable where shown)
No cover under Personal Accident section
No cover under Personal Liability section
Must be organised through a licensed operator
Other
Scuba diving to a depth of 15 metres
X X X 1.NocoverforequipmentunderBaggagesection2.Maximum5divespertrip3.Mustbeaccompaniedbyqualifiedscubadivinginstructorordivemasteratalltimes4.Noprofessional,commercialortechnicaldiving,including,butnotlimitedtoenrichedairdiving,tutordiving,icediving,freediving,wreck,caveorcaverndivingorsolodiving5.Noairtravelwithin24hoursofcompletingadive
Sea kayaking Mustbeaccompaniedbyaqualifiedguide
Shark cage diving
X
Sightseeing flights/helicopter rides
X Passengeronly
Skateboarding
Snorkelling
Softball
Squash
Surfing and flowriding
X
Swimming
Swimming with Dolphins
X
Table Tennis
Tandem sky diving
X X X
Ten pin bowling
Tennis
Trampolining
Tug of war
Volleyball
Wake boarding X
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Leisure Activity Limitations (applicable where shown)
No cover under Personal Accident section
No cover under Personal Liability section
Must be organised through a licensed operator
Other
Water polo
Water skiing X
Wind surfing X
Yachting X Noracingandwithina12milelimitofthecoastlineorinlandwaters
Yoga
Zip lining X
Zorbing/Sphering
X
Activity based holidaysTheseactivitybasedholidaysareautomaticallycoveredbyyourpolicy,subjecttoanylimitationshowninthetablebelowIMPORTANT NOTE: See what is not covered on page 21.
Activity based holiday
Limitations (applicable where shown)
No cover under Personal Liability section
Must be organised through a licensed operator/tour operator only
Other
CharityorConservationWork
X 1.Voluntaryworkonly2.Onbehalfofandorganisedthrougharegisteredcharityorconservationorganisation3.Tripnolongerthan21days4.Manualworkinvolvinghandtoolsonly5.Noworkatheightsabove3metres
FlotillaSailing X X Undersupervisionofqualifiedleadskipper
Golf NocoverforequipmentunderBaggagesection
HikingandTrekkingupto5,000metresaltitude
X AccompaniedbyqualifiedguidesNocoveratallforanytrekwithanascenttoover5,000metres
Narrowboat/Canalcruising
X Inlandwatersonly
Safari Supervisedwalkingandvehicleonly
Tennis
Yoga
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Winter sports activities Youarecoveredforthefollowingwintersportsactivitiesforamaximumof21daysinanycalendaryear.IMPORTANT NOTE: See what is not covered on page 21.
Your coverWewillinsureyouagainstloss,damage,legalliability,illnessorbodilyinjury,whichmayhappenduringtheperiod of insuranceproviding:1.theaccount holderhasaqualifying bank account2. you are a UK resident3. thetripbeginsafterthedatethequalifying bank accountwasopened4.thejourneyisaroundtrip beginning and ending intheUKthatlastsnomorethan31days5.thejourneyiseither:a. aholidayoutsidetheUK, ChannelIslandsandIsleofMan;orb. office-based business traveloutsidetheUK, ChannelIslandsandIsleofManorc. aholidaywithintheUK, ChannelIslandsandIsleofManwhichincludestwoormoreconsecutivenightspre-booked holiday accommodation.
Section A – Cancellation ChargesWewillcoveryoufor:1.Depositsyouhavepaidforyour trip and cannotgetback2. Yourunusedtravelandaccommodationcosts(includingexcursionsuptoamaximumof£250
foreachinsured person),whichyouhavepaidorlegallyhavetopayandcannotgetback3.Unusedkennel,catteryorprofessionalpetsitterfees,whichyouhavepaidorlegallyhavetopayandcannotgetbackuptoamaximumof£200foreachinsured person:if,afteryouopenedyour qualifying bank accountorbookedyour trip,(whicheverislater),youunavoidablyhavetocancelyour tripforoneofthereasonsbelow:1.Oneofthefollowingpeopleisinjured,fallsill,isquarantinedordies:a. youb. your travelling companionc. anypersonyouweregoingtostaywith.2.Oneofthefollowingpeopleisseriouslyinjured,fallsseriouslyillordies:a. any close relativeofyoursorofyour travelling companionb. any close business associateofyours orofyour travelling companion.3. You or your travelling companion are called forjuryserviceorasawitnessinacourtoflawduringtheperiod of insurance.4. You or your travelling companion are maderedundant.
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5. Your home or your travelling companion’s homeisbadlydamagedbyfire,stormorfloodinthe7dayspriortothedepartureofyour trip.6.Thepoliceneedtotalktoyou or your travelling companionbecauseyour home or theirhomeorplaceofworkhasbeenburgled.7.OnthedayyouareduetodepartfromtheUK youarepreventedfromtakingyour trip due to:a.airspacebeingclosedformorethan24hoursfromthedateandtimeofyourscheduleddeparture,asshownonyourticket/itineraryb.anairportorportyouarescheduledtotravelfromorthroughbeingclosedformorethan24hoursfromthedateandtimeofyourscheduleddeparture,asshownonyour ticket/itinerary.c. yourflightbeingcancelledasadirectresultofvolcanicashintheatmosphereandnoalternativeflightsareavailabletoyouwithin24hoursofthedateandtimeofyourscheduleddeparture,asshownonyourticket/itinerary.
Special conditions1.Allclaimsresultingfrominjury,illness,quarantineordeathmustbesupportedbymedicalreportsoradeathcertificate(orboth)indicatingthenecessitytocancelyour trip.2.Allclaimsmustbesupportedbydocumentaryevidencethatyouhavebeenunabletoobtainarefundfromyour traveland/oraccommodationprovider.
The most we will payThemostwewillpayforeachinsured person is£5,000.
What is not covered1.Anyclaimforamedicalconditionifanyofthefollowingappliedwhenthequalifying bank accountwasopenedorthetripwasbooked,(whicheverislater),you:a. hadreceivedadvice,medicationortreatmentforanyserious,chronicorrecurringillness,injuryordiseaseinthelast12monthsunlesstheconditionwasdisclosedtoandacceptedbyusb. wereunderinvestigationorawaitingresultsforanydiagnosedorundiagnosedconditionunlessdisclosedtoandacceptedbyus
c. wereonawaitinglistforin-patienttreatmentorwereawareoftheneedforin-patienttreatmentforanydiagnosedorundiagnosedconditionunlessdisclosedtoandacceptedbyusd. hadbeentoldyouhaveaterminalillness.2.Anyclaimforamedicalconditionifanypersonuponwhosegoodhealthyour tripdependshadaserious,chronicorrecurringillness,injuryordiseasewhichyouwereawareofwhenthequalifying bank accountwasopenedorthetrip wasbooked,(whicheverislater).3. Anyclaimforamedicalconditionyouwereplanningtogetmedicaltreatmentforduring your trip.4.Anyclaimmadebecauseyoudon’tfeelliketravelling.5.Anyclaimforredundancycausedbymisconduct,resignationorvoluntaryredundancy,orifyou or your travelling companionknewoftheredundancywhenthequalifying bank accountwasopenedorthetripwasbooked,(whicheverislater)orwhereyoucannotprovidewrittenevidencethatthereasonyouleftyourjobwasduetoredundancy.6.Anyclaimwhereyouknew,atthetimethequalifying bank accountwasopenedorthetrip wasbooked(whicheverislater),that:a. youwouldbeunabletotravelorb.whereithadbeenpubliclyannouncedand/orreportedbythemediathattheoccurrenceofananticipatedeventcouldresultin:i.theclosureofairspaceoranairportorportthatyouarescheduledtotravelfromorthrough,orii.thecancellationofyourflight.7. Anyclaimwheretheairport,portorairspaceisnotclosedforatleast24hoursfromthetimeshownonyourtravelticket/itinerary.8.AnythingmentionedintheGeneralExclusions.
Section B – Emergency Medical and Associated ExpensesIfyouareinjured,fallill,arequarantinedordieduring your trip,wewillpayforthefollowing:1. Emergency Treatmenta. Emergencymedicaltreatment(includingrescueservicestotakeyoutohospital)outsidetheUK,JerseyandIsleofManb. Upto£350fordentaltreatmentforemergencypainreliefoutsideoftheUK,JerseyandIsleofMan.2. Associated Expensesa. Anyreasonableextrachargesforhalfboardaccommodation(ofasimilarstandardtotheaccommodation youhadbookedforyour trip)ifitismedicallynecessaryforyoutostayafterthe
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date youweregoingtoreturnhome.Wewillalsopaytravelcosts,whichyouhavetopaytogetbackto your homeifyoucannotuseyourreturnticketb. Upto£5,000forthecostofburyingorcremating youinthecountryoutsidetheUK,JerseyandIsleofManwhereyou diec. Upto£7,500forthecostofreturningyour body orashestoyour homed. Thecostofgettingyou home,ifitismedicallynecessarybecauseyouareseriouslyinjuredorfallseriouslyillduringyour trip and youcannotuseyourreturnticket.IfourMedicalEmergencyAssistanceproviderandthetreatingdoctoragreethatitisnecessary,wewillalsopayforreasonabletravelandaccommodationcosts,underitems2aand2d,foronerelativeorfriendwhohastostaywithyouortraveltobewithyou.3. Hospital Benefit£25foreachfull24hoursthatyouareinhospital,outsidetheUK,JerseyandIsleofManreceivingin-patienttreatmentfollowingyourinjuryorillnessduring your trip.4. Holiday DisruptionIfyouareclaimingformedicalexpensesthatarecoveredunderitem1above,wewillalsopayyou abenefitof£25foreachfull24hourperiodtocompensateyouforthedisruptiontoyour tripif:a. youareinhospitalreceivingin-patienttreatmentformorethan48consecutivehours;orb. youareconfinedtoyour accommodation on theadviceofthetreatingdoctorformorethan48consecutivehours.
Special conditions1. YoumustphonetheMedicalEmergencyAssistancehelplineimmediatelyifyou:a. needtogointohospitalasanin-patient.Ifthisisnotpossiblebecausetheconditionisserious,you mustcontactthehelplineassoonaspossibleafteryougointohospitalb. aretoldbythetreatingdoctorthatyou are goingtorequiretestsorinvestigationsasan out-patientc. needtoreturntothe UK.2.Ifyouareinjuredorfallillduringyour trip,ourMedicalEmergencyAssistanceprovidermaymove youfromonehospitaltoanotherand/orarrangeforyoutoreturntothe UKatanytime.Theywillonlydothisiftheyandthetreatingdoctorthinkthatitissafeforyou to be moved or returnedtothe UK.Ifyouchoosenottomovehospitalorreturntothe UK ourliabilitywillendonthedateitwasdeemedsafeforyoutodoso.
3.Ifyouareconfinedtoyour accommodation on medicaladvice,wewillpay youdoubletheholidaydisruptionbenefitunderitem4.4.Theholidaydisruptionbenefitwillonlybepayableinrespectoftheinsured personwhoiseitheranin-patientinhospitalorconfinedtotheiraccommodationonmedicaladvice.
The most we will payThemostwewillpay:1.withintheUK,JerseyandIsleofManis£2,000underAssociatedExpenses2.outsideoftheUK,JerseyandIsleofManis£10,000,000underEmergencyTreatmentandAssociatedExpenses3.outsideoftheUK,JerseyandIsleofManis£500underHospitalbenefit4.outsideoftheUK,JerseyandIsleofManis£500underHolidayDisruption
What is not covered1.Anyclaimforamedicalconditionifanyinsured personhastravelledagainsttheadviceofadoctororwouldbetravellingagainsttheadviceofa doctoriftheyhadsoughtsuchadvice.2.Anyclaimforamedicalconditionifanyofthefollowingappliedwhenthequalifying bank accountwasopenedorthetripwasbooked,(whicheverislater).You: a. hadreceivedadvice,medicationortreatmentforanyserious,chronicorrecurringillness,injuryordiseaseinthelast12monthsunlesstheconditionwasdisclosedtoandacceptedbyus b. wereunderinvestigationorawaitingresultsforanydiagnosedorundiagnosedconditionunlessdisclosedtoandacceptedbyus c.wereonawaitinglistforin-patienttreatmentorwereawareoftheneedforin-patienttreatmentforanydiagnosedorundiagnosedconditionunlessdisclosedtoandacceptedbyusd.hadbeentoldyouhaveaterminalillness.3.Anyclaimforamedicalconditionwhereyou are referredtoaConsultant/Specialistoradmittedtoahospitalbetweenbookingyour tripandthedeparturedateunlessdisclosedtoandacceptedbyus.4.Anyclaimforamedicalconditionyouwereplanningtogetmedicaltreatmentforduring your trip.5.Anyclaimfor:a.anytreatmentreceivedinthe UK, JerseyorIsleofMan
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b.thecostofin-patienthospitaltreatmentorgoing homeearlythatourMedicalEmergencyAssistanceproviderhasnotagreedbeforehandc.thecostofanynon-emergencytreatmentorsurgeryincludingexploratorytestswhicharenotdirectlyrelatedtotheillnessorinjurythatyou originallywenttohospitalford.anyformoftreatmentthatyour treating doctor and ourMedicalEmergencyAssistanceproviderthinkcanreasonablywaituntilyou return homee.cosmeticsurgery,unlessconsiderednecessaryasamedicalemergencyandagreedwithour MedicalEmergencyAssistanceproviderf.medicationwhich,atthetimeyour tripstarted,youknewthatyouwouldneedwhileyouwereawayg.anyextracostsbecauseyouhaverequestedasingleorprivateroomh.treatmentorservicesprovidedbyahealthspa,convalescentornursinghomeoranyrehabilitationcentrei.anytreatmentafteryouhavereturnedhome.6.Costsincurredfollowingyourdecisionnottomovehospitalorreturntothe UKafterthedatewhen,intheopinionofourMedicalEmergencyAssistanceproviderandthetreatingdoctor,itwassafeforyoutodoso.7.AnyclaimforHolidayDisruption;a. wheretheperiodinhospitalorconfinedtoaccommodationislessthan48consecutivehoursb. foranyinsured personnotbeingtreatedasanin-patientorconfinedtoyour accommodation on medical advicec. forpersonsnotinsuredbythispolicyd. wherethereisnovalidclaimforemergencytreatmente.wherethepurposeofthetripwasoffice-based business travel.8.Anyclaimthatresultsfrom your jobunlessthepurposeofthetripwasoffice-based business travel.9.AnythingmentionedintheGeneralExclusions.
Section C – AbandonmentWewillcoveryoufor:1. Yourunusedaccommodationcoststhatyou havepaidforbeforestartingyour trip,orlegallyhavetopay,andcannotgetback(includingexcursionsuptoamaximumof£250foreachinsured person)2.Reasonableadditionaltravelcoststoallowyou to return homeearlyifyoucannotuseyour returnticket
3.Reasonableadditionalaccommodationcoststoallowyou to return home early 4.Unusedkennel,catteryorprofessionalpetsitterfeesthatyouhavepaidorlegallyhavetopay,andcannotgetback,uptoamaximumof£200foreachinsured person: ifyouunavoidablyhavetoabandon your trip becauseanyofthefollowinghappenwhilstyou areaway:1.Oneofthefollowingpeopleisseriouslyinjured,fallsseriouslyill,isquarantinedordies:a. youb. your travelling companionc.thepersonyouwerestayingwith.2.Oneofthefollowingpeopleisseriouslyinjured,fallsseriouslyillordies:a. any close relativeofyoursorofyour travelling companionb. any close business associateofyours or ofyour travelling companion.3. Your home or your travelling companion’s homeisbadlydamagedbyfire,stormorflood.4.Thepoliceneedtotalktoyou or your travelling companionbecauseyour home or theirhomeorplaceofworkhasbeenburgled.
Special conditions1.Ifyou need to return home and intend to makeaclaimunderthissection,youmustphonetheMedicalEmergencyAssistancehelplineimmediately.2.Allclaimsresultingfrominjury,illness,quarantineordeathmustbesupportedbymedicalreportsoradeathcertificate(orboth)indicatingthenecessitytoabandon your trip.3.Ifyoucannotuseyourreturnticketandwepayadditionaltravelcoststoallowyou to abandon your trip,yourunusedtravelticketwillthenbelong to us.
The most we will payThemostwewillpayforeachinsured person is£5,000.
What is not covered1.Anyclaimforamedicalconditionifanyinsured personhastravelledagainsttheadviceofadoctororwouldbetravellingagainsttheadvice ofadoctoriftheyhadsoughtsuchadvice.
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2.Anyclaimforamedicalconditionifanyofthefollowingappliedwhenthequalifying bank accountwasopenedorthetripwasbooked(whicheverislater).You:a.hadreceivedadvice,medicationortreatment foranyserious,chronicorrecurringillness,injuryordiseaseinthelast12monthsunlesstheconditionwasdisclosedtoandacceptedbyusb.wereunderinvestigationorawaitingresultsforanydiagnosedorundiagnosedconditionunlessdisclosedtoandacceptedbyusc.wereonawaitinglistforin-patienttreatmentorwereawareoftheneedforin-patienttreatmentforanydiagnosedorundiagnosedconditionunlessdisclosedtoandacceptedbyusd.hadbeentoldyouhaveaterminalillness.3.Anyclaimforamedicalconditionifanypersonuponwhosegoodhealthyour tripdependshadaserious,chronicorrecurringillness,injuryordiseasewhichyouwereawareofwhenthequalifying bank accountwasopenedorthetripwasbooked,(whicheverislater),unlesstheconditionwasdisclosedtoandacceptedbyus.4.Anyclaimforamedicalconditionwhereyou oranypersonuponwhosegoodhealthyour tripdependshavebeenreferredtoaConsultant/Specialistoradmittedtoahospitalbetweenbookingyour tripandthedeparturedateunlessdisclosedtoandacceptedbyus.5.Anyclaimforamedicalconditionyouwereplanningtogetmedicaltreatmentforduring your trip.6.Anyclaimmadebecauseyoudidnotenjoyyour trip.7.Anyclaimwhichwasnotauthorisedbyour MedicalEmergencyAssistanceproviderbeforeyou returned home.8.Anyclaimthatresultsfromyour jobunlessthepurposeofthetripwasoffice-based business travel.9.Anyclaimforadditionaltravellingcostsifpriorto yourdeparturefromtheUK youhavenotpurchasedareturnticketbacktotheUK.10.AnythingmentionedintheGeneralExclusions.
Section D – Personal Accident Wewillcoveryouifyousufferanaccidentalinjuryduring your tripthatleadssolely,directlyandindependentlyofanyothercausetoyour: 1.death;or2. loss of one or more limbs and/orthetotal loss of sight inoneorbotheyes;or3. permanent total disablement after104weeksfromthedateyouincurredtheinjury(exceptwherecompensationispaidunderitem2above).
Special conditions1.Thedeathordisabilitymusthappenwithinoneyearoftheaccident.2. Youcanonlyclaimforoneitemunderthissection.3.Thebenefitwillbepaidtoyou or your legal representative.The most we will payThemostwewillpayforeachinsured personis£50,000otherthanthedeathbenefitforinsured personsunder16yearsofagewherethemaximumwewillpayis£1,000.What is not covered1.Anyclaimforsickness,disease,nervousshockor naturally occurring condition or degenerative process.2.Anyclaimthatresultsfromyourjobunlessthepurposeofthetripwasoffice-based business travel.3. Youtakingpartinaleisureactivity,activitybasedholidayorwintersportsactivitywherePersonalAccidentisspecificallyexcludedintheLeisureactivities,activitybasedholidaysandwintersportssection.4.AnythingmentionedintheGeneralExclusions.
Section E – Personal Liability 1. Wewillcoveryouforanymoneythatyou legallyhavetopaythatrelatestoanaccidentduring your tripwhichcauses:a.deathorphysicalinjurytoanyperson;and/orb.lossordamagetoproperty;and/orc.lossordamagetotemporaryholidayaccommodationwhichisnotownedbyyou.2. Wewillalsopayanyreasonableandnecessarylegalcostsandexpensesincurredbyyou in relationtotheaccident.Youmustobtainour consentbeforeincurringanycostorexpense.The most we will payThemostwewillpayforallclaimsarisingfromanyoneeventis£2,000,000.ExcessA£100excessappliestoallclaimsarisingfromyouroccupationoftemporaryholidayaccommodation.What is not covered 1.Anyfinesorexemplarydamages(punishing,oraimedatpunishing,thepersonresponsibleratherthanawardingcompensation)youhavetopay.2.Liabilityarisingfrom:a.deathorinjuryofmembersofyourhouseholdorpeoplewhoworkforyou;
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b.lossofordamagetopropertywhichbelongstoorisunder:i. your controlii.thecontrolofamemberofyourhouseholdiii.thecontrolofpeoplewhoworkforyou c. yourjobd. youowningoroccupyinganylandorbuilding,unlessyouareoccupyinganytemporary holidayaccommodation,whichisnotownedbyyou in whichcaseyouwillberesponsiblefortheexcess asshownabovee. youowningorusing:i.animals(exceptdomesticanimals)ii.firearms(exceptsportinggunsusedforclaypigeonorsmallboreshooting)iii.motorisedvehiclesiv.vessels(exceptmanually–propelledwatercraft);orv.aircraftofanydescription,includingunpoweredflightf. youtakingpartinanyleisureactivity,activitybasedholidayorwintersportsactivitywherePersonalLiabilityisspecificallyexcludedintheLeisureactivities,activitybasedholidaysandwintersportssection3.AnythingmentionedintheGeneralExclusions.
Section F – Delayed DepartureThis section does not apply for trips taken solely within the UK, Channel Islands and Isle of Man.Cover only applies for your outward international journey from the UK and for your final international return journey to the UK. 1.Ifthescheduleddepartureoftheship,aircraftortrainonwhichyouarebookedtotravelisdelayedatthepoint of international departure,wewillpayyou£25foreveryfull12hourperiodtheship,aircraftortrainisdelayed.OR 2.Ifthescheduleddepartureoftheship,aircraft ortrainonwhichyouarebookedtotravelisdelayedatthepoint of international departure formorethan24hoursonyouroutwardjourneyfromtheUK,andyouchoosetoabandon your trip,wewillcoveryouforyourunusedtravelandaccommodationcostswhichyouhavepaid orlegallyhavetopaybutcannotgetback(includingexcursionsuptoamaximumof£250foreachinsuredperson).Ifyouchoosetoabandon your trip,wewillalsopayuptoamaximumof£200foreachinsured person forunusedkennel,catteryorprofessionalpetsitterfeeswhichyoucannotgetback.
Special conditionWewillworkoutthelengthofthedelayfromthedateandtimeofyourscheduledinternationaldeparture.Youmusthavecheckedinatthespecifiedtimeandprovidewrittenconfirmationfromthecarrierortheirhandlingagentsoftheactualdateandtimeofdepartureandthereasonforthedelay.
The most we will payThemostwewillpayfor:•adelayeddepartureis£250foreachinsured person or•abandonmentafter24hoursonyouroutwardjourneyfromtheUKis£5,000foreachinsured person.
What is not covered1. Morethanoneitemunderthissection.2.Anyclaimforonwardand/orconnectingtravel.3.Anyclaimifyour tripissolelywithintheUK, Channel Islands and Isle of Man.4.Anyclaimiftheinternationalship,aircraftortrainonwhichyouarebookedtotraveliscancelledbythecarrier.5.Anyclaimifadelayoftheship,aircraftortrainonwhichyouarebookedtotraveldoesnothappenatyour point of international departure.6.Anyclaimcausedbyastrikeorindustrialactionwhichwaspublicknowledgewhenthequalifying bank accountwasopenedorthetripwasbooked,(whicheverislater).7.Anyclaimwhereapossiblereasonfordelaywaspublicknowledgewhenthequalifying bank account wasopenedorthetripwasbooked,(whicheverislater).8.AnythingmentionedintheGeneralExclusions.
Section G – Enforced Stay AbroadThis section does not apply for holidays within the UK or where you do not have a return date scheduled at the time the airspace, or an airport or port is closed.Ifyou are unable to return home on your scheduledreturndatedueto:a.theairspacebeingclosedb.anairportorportthatyouarescheduledtotravelfromorthroughbeingclosed;
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c. yourflightbeingcancelledasadirectresultofvolcanicashintheatmosphere,wewillpayyou: 1.£100perinsured personforeveryfull24hourperiodyou are unable to return home or2.upto£1000perinsured personinrespectofnecessaryandreasonableadditionaltravelandaccommodationexpenseswhere,afteraperiodof24hoursormore,youunavoidablyhavetomakeimmediatealternativearrangementstoreturnhome.Wewillalsopayforemergencymedicalsuppliesthatyourequiretopreventadeteriorationorexacerbationofanexistingmedicalcondition.
Special Conditions1.Whereyouclaimunderitem1above,a. wewillworkoutthelengthofyour enforcedstayabroadfromthedateandtime ofyourscheduleddeparture,asshownon yourticket/itineraryb. youmustobtainwrittenconfirmationfromyour carrierorhandlingagentsoftheactualdateandtimeof yourreturntotheUK.2.Paymentunderitem2willonlybeconsideredwhereyourcarrierorhandlingagentshavenotbeenabletoofferyousuitablealternativeaccommodationand/ortravelarrangements.Allclaimsmustbesupportedbydocumentaryevidenceofthecostsyouhaveincurred.
The most we will payThemostwewillpayforeach insured personis:• £1,500underitem1above• £1,000underitem2above.
What is not covered 1.Morethanoneitemunderthissection.2.Anyclaimunderitem2whereyoufailtoprovidedocumentaryevidenceofthecostsincurred.3.Anyclaimfortravelandaccommodationexpensesif:a. youhavenotpurchasedyourreturntickettotheUKbeforeyoudepartonyour trip,orb. youaretravellingonanopen-endedticketandhavenotscheduledareturndatetotheUKwiththeairline.4.AnythingmentionedintheGeneralExclusions.
Section H – Missed International Departure This section does not apply for trips taken within the UK, Channel Islands and Isle of Man.If,asadirectresultof:1.scheduledbus,coachorrailservices notrunningtotheirpublishedtimetableor2.delaytoaconnectingscheduledflightor3.accidentaldamageto,orbreakdownof, thevehicleinwhichyou are travellingyou arrive at your point of international departuretoolatetoboardtheship,aircraftortrainonwhichyouarebookedtotravel,wewillpayextraaccommodationandtravelcostsyou havetopaytoreach:a. your tripdestinationonyouroutwardjourneyb. your home on yourreturnjourney.
Special conditions1.Ifyouhavemissedorwillmissyourship,aircraftortrainatthepoint of international departureduetooneofthereasonslistedabove,youmustcontacttheTravelAssistanthelplinenumbershownatthefrontofthisbookletandwe willcontactthecarrierforyou tocheck(ifalatearrivalispossible)orwillmakealternativetravelarrangementsforyou.Anycostincurredmay havetobepaidbyyouandsubmittedasaclaim.2. Youmustgetareportfromtherepairerorbreakdownassistanceproviderifyou are claiming becausethevehicleyouweretravellinginhadanaccidentorbrokedown.
The most we will payThemostwewillpayforeachinsured person is£1,000.
What is not covered1.Anyclaimcausedbyastrikeorindustrialactionwhichwaspublicknowledgewhenthequalifying bank accountwasopenedorthetripwasbooked,(whicheverislater).2.Anyclaimwhereapossiblereasonfordelaywaspublicknowledgewhenthequalifying bank accountwasopenedorthetripwasbooked,(whicheverislater).3.Anyclaimwhereyouhavenotdoneeverythingyoucantogettothepoint of international departureforthetimespecifiedonyourticket/itinerary.4.Anyclaimwherethecarrierhasofferedreasonablealternativetransport.5.AnythingmentionedintheGeneralExclusions.
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Section I – Legal Expenses and Advice LegalExpensesisunderwrittenbyAvivaInsuranceLimited.ClaimshandlingisundertakenbyArcLegalAssistanceLimitedorsuchothercompanyaswenotifyyouoffromtimetotime.
Legal Expenses cover Wewillnegotiateonyourbehalfforyour legal rightstobringlegal proceedingstopursueacivilclaimresultingfromanincident,includingmedical treatment,forwhichyouarenotatfaultwhichcausesyourdeathorpersonalinjuryduringyour tripprovidingthat:a.theinsuredincidentoccurswithintheterritorial limitsandduringtheperiod of insuranceb. prospects of successexistforthedurationoftheclaimc.inrespectofanyappealordefenceofanappeal,ithasbeenreportedtousatleast10workingdayspriortothedeadlineforanyappeald.themaximumamountwewillpayforcosts and expensesforanyoneinsured person in respectofanyorallclaimsarisingfromonecauseis£50,000e. an insured personreportsaninsuredincidentto usassoonaspossibleandinanyeventnolaterthan180daysafterthedatetheinsured person kneworshouldhaveknownabouttheinsuredincident.
Personal Legal Advice Wewillgiveyouconfidentialadviceoverthetelephoneonanypersonallegalproblemthat mayleadtoaclaimunderthissectionofthepolicy.Wewilltellyouwhatyourlegalrightsare,whatcourseofactionisavailabletoyouandwhetherthesecanbebestimplementedbyyouorwhetheryouneedtoconsultwithalawyer.Therearenoconsultationfeesandlinesareopen24hoursaday,365daysayear.ForconfidentiallegaladvicecalltheLegalExpensesClaimsandAdvicehelplineonthenumbershownatthefrontofthisbooklet.
Making a ClaimTomakealegalexpensesclaimcalltheLegalExpensesClaimsandAdvicehelplineonthenumbershownatthefrontofthisbooklet.Assoonasyouareawareofanevent,you shouldgetlegaladvicefromthehelplinewithoutdelay.PleasetellthemyouareinsuredundertheHSBCTravelInsurancepolicywhenyoucall.
Definitions Thedefinitionsatthebeginningofthisbookletapplywhereappropriate(refertopages14and15).Thefollowingdefinitionsonlyapplytothissectionofthepolicy.Appointed Representative Thelawyerorothersuitablyqualifiedpersonappointedbyus to act on yourbehalf.Costs and Expenses1.Allreasonableandnecessarylegalcostschargedbytheappointed representative and agreed by us.2.Legalcostswhichyouhavebeenorderedtopaybyacourtorotherbodywhichwehaveagreedtoorauthorised.EventThefirstincidentwhich,inourreasonable opinion,couldleadtoaclaimbeingmade underthissectionofthepolicy.Legal Proceedings Thepursuitofaclaimfordamages.Medical Treatment Theconsultationand/ortreatmentofanillness orbodilyinjuryconductedbyaregisteredmedicalordentalpractitionerwhoisorhasbeenresponsibleforyourclinicalcare.Prospect of Success Inrespectofallclaimsitisalwaysmorelikelythannotthatyouwill:1.recoverdamagesorobtainanyotherlegalremedywhichwehaveagreedto2.makeasuccessfuldefence3.makeasuccessfulappealordefenceofanappeal.Prospectsofsuccesswillbeassessedbyus or an appointed representative on ourbehalf.
Territorial Limits WorldwideSpecial conditionsThefollowingconditionsapplytothissection.AlsorefertotheGeneralConditionssection.1. Youmusttakeallreasonablestepstopreventanythinghappeningthatmayresultinaclaim.2. Claims – your dutyAn insured personmustreportaninsuredincident to usassoonaspossibleandinanyeventnolaterthan180daysafterthedatetheinsured personkneworshouldhaveknownabouttheinsuredincident.
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3. Claims – legal representationa.Onacceptanceofaclaim,ifappropriate, wewillappointanappointed representative.b.Ifitisnecessarytostartcourtproceedingsorthereisaconflictofinterest,youarefreeto nominate an appointed representative by sendingtousthenameandaddressofthesuitablyqualifiedperson.c.Ifwe do not agree to yourchoiceofappointed representativeundercondition3babove,you maychooseanothersuitablyqualifiedperson.d.Ifthereisstilladisagreementwithregardtotheappointed representative,wewillaskthepresidentofarelevantnationallawsocietytochooseasuitablyqualifiedpersontorepresentyou.We and youmustacceptsuchchoice.e.Inallothercircumstanceswewillbefree tochooseanappointed representative.f. An appointed representativewillbeappointedby usandrepresentyou according to our standardtermsofappointment.4. Claims – Our rights and your obligationsa. Wewillhavedirectaccesstotheappointed representativewhowill,uponrequest,provide uswithanyinformationoropiniononyourclaim.b. Youmustco-operatefullywithusandtheappointed representativeandmustkeepus up-to-datewiththeprogressoftheclaim.c. At ourrequestyoumustgivetheappointed representativeanyinstructionsthatwerequire.d. Youmustnotifyusimmediatelyifanyoneofferstosettleaclaimormakesapaymentintocourt.e.Ifyoudonotaccepttherecommendationoftheappointed representativetoacceptareasonableofferorpaymentintocourttosettleaclaim,we mayrefusetopayfurthercosts and expenses.f.Noagreementtosettleonthebasisofbothpartiespayingtheirowncostsistobemadewithoutourpriorapproval.5. Discontinuance of a claimIfyou:a.settleaclaimorwithdrawaclaimwithoutour prioragreement;b.donotgivesuitableinstructionstotheappointed representative;c.dismissanappointed representativewithoutourpriorconsent,ourconsentnottobewithheldwithoutgoodreason;thecoverweprovidewillendimmediatelyandwewillbeentitledtore-claimanycosts and expenses wehaveincurredfromyou.6. Recoveries Youmusttakeeveryavailablesteptorecover
costs and expenses thatwehavetopayandmustpayus any costs and expenses thatarerecovered.7. DisputesIfanydifferencearisesbetweenus and you inrespectoftheacceptance,refusal,controlorhandlingofanyclaimunderthissection,you cantakethestepsoutlinedinourcomplaintsprocedurestatedunder‘OurPromiseofService’.8. Arbitration Youhavetherighttoreferanydifferencethatarisesbetweenus and youinrespectoftheacceptance,refusal,controlorhandlingofanyclaimunderthissectiontoarbitration,whichwillbedecidedbycounselchosenjointlybyus and you.Ifthereisadisagreementwithregardtothechoiceofcounsel,wewillaskthepresidentofarelevantnationallawsocietytochooseasuitablyqualifiedperson.Thearbitrator’sdecisionshallbefinalandbindingonbothparties.Allcostsforresolvingthedifferencewillbemetbythepartywhomthedecisionismadeagainst.
The most we will pay Themostwewillpayforeachinsured person in respectofanyorallclaimsarisingfromonecauseis£50,000.
What is not covered 1.Ifyoudonotkeeptotheterms,conditionsandexclusionsofthissection.2.Adisputebetweenyou and us or any member oftheAvivagroupofcompanies.3.Anyclaimwhereyouaremorespecificallyinsuredoranyamountyoucannotrecoverfromamorespecificinsurancebecausetheinsurerofthatinsurancerefusestheclaim.4. Any claim relating to youdrivingamotorvehiclewithoutavalidlicenceand/orinsurance.5.Anyillness,deathorbodilyinjurywhichdevelopsgraduallyorisnotcausedbyaspecificsuddenevent.6.AnyclaimfromDeepVeinThrombosis(DVT)oritssymptomsthatresultfromtravellingbyair.7.Anyclaiminrespectoflibelorslander.8. Costs and Expenses incurredpriortoour writtenacceptanceofaclaim.9. Wewillnotpayforcosts and expenses whichhavebeenincurredbytheappointed representativeonacontingencyfeebasis.10. Any legal action an insured persontakeswhichwehavenotagreedtoorwhereyou doanythingtohinderusortheappointed representative.11.Anyclaimdeliberatelyorintentionallycausedby you.
Section J – Hijack Wewillpay£50foreachfull24hoursyou are preventedfromreachingyouroutwarddestinationortheUKonthereturnlegofyour trip,asaresultofthetransportonwhichyou are travelling beinghijacked.
The most we will pay Themostwewillpayforeachinsured person is£1,000.
What is not covered1.Anyclaimwhereyoudonotprovidewrittenconfirmationofthedelayfromtheairlineorcarrier.2.AnythingmentionedintheGeneralExclusions.
Section K – MuggingWewillpay£50foreachfull24hoursthatyou are inhospitalreceivingin-patienttreatmentfollowingamugging.
The most we will pay Themostwewillpayforeachinsured person is£1,000.
What is not covered1.Anyclaimwhereyoudonotreportthemuggingtothepolicewithin24hoursandgetawrittenpolicereport.2.AnythingmentionedintheGeneralExclusions.
Section L – Catastrophe cover This section only operates if you have booked your accommodation independently and directly with the accommodation provider. Wewillcoveryouforadditionalaccommodationand/ortransportcoststoallowyou to continue your tripifyouareforcedtomovefromyourindependentlybookedandprepaidaccommodation,duetooneofthefollowingeventsoccurringduringyour trip.Fire,Storm,Flood,Explosion,Landslide,
Earthquake,Avalanche,Tsunami.
Special conditions1.Extraaccommodationcostsmustbeforasimilarstandardofaccommodationtothatinwhichyouwereoriginallystaying.2. Wewillonlypayyouraccommodationcostsifyouprovidewrittenconfirmationfromtheprovideroftheaccommodationand/orthelocalornationalauthoritiesthatyouwereforcedtoleaveyour independentlybookedandprepaidaccommodationandthereasonforthis.3. Youmustbeabletoprovidereceiptsforanyextraaccommodationortravelcostsincurredifyouareforcedtomovefromyourindependentlybookedandprepaidaccommodation.
The most we will pay Themostwewillpayforeachinsured person is£750.
What is not covered
1.Anytransportcostsincurredinreturningto theUK.2.Anyprepaidaccommodationcoststhatcan beclaimedbackfromahoteloranyotherserviceprovider.3.Anyclaimwherethecatastrophe,asdescribedabove,hadalreadyoccurredwhenthequalifying bank accountwasopenedorthetripwasbooked(whicheverislater).4.Anyclaimwheretheprovideroftheaccommodationand/orthelocalornationalauthoritiesdidnotdeemitnecessaryforyou to leave yourprepaidaccommodation.5.AnythingmentionedintheGeneralExclusions.
Section M – Pet CareIntheeventthatyourcatordogsuffersaninjurywhilstbeingcaredforbyafriend,relative,professionalpetsitter,kennelorcatteryintheUK whilstyou are on your tripandtheinjuryrequiresin-patientveterinarytreatment,wewillpay£25foreachfull24hoursthatyourcatordogreceivesin-patientveterinarytreatment.
The most we will pay Themostwewillpayforeachincidentis£250.
What is not covered1.Anyclaimifyoudonothavewrittenconfirmationfromthevetgivingdetailsoftheinjuryoraccidentandthenumberofdaysthatyourcatordoghasbeenanin-patient.2.AnythingmentionedintheGeneralExclusions.
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Section N – Temporary or Emergency Passport ExpensesWewillpayreasonableextratravel,accommodationandcommunicationexpensesthatyouhavetopaytogetatemporaryoremergencypassport,andthecostofthetemporaryoremergencypassport,ifyourpassportislostorstolenwhileyouareabroad.ContacttheTravelAssistanthelplinenumbershownatthefrontofthisbookletforadviceonhowtoobtainatemporaryorreplacementpassportabroad.
Special conditionYoumustalwaystakereasonablecaretokeepyour passportsafe.Ifyourpassportislostorstolenyou musttakeallreasonablestepstogetitback.
The most we will pay Themostwewillpayforeachinsured person is£350.
What is not covered1.Anylossortheftofyourpassportifyou do notreportittothepolicewithin24hoursofthediscoveryandgetawrittenpolicereport.2.Thecostofpurchasingareplacementpassport.3.AnythingmentionedintheGeneralExclusions.
Section O – Personal Money Wewillcoveryouforlossortheftofyour personal money during your trip.ContacttheTravelAssistanthelplinenumbershownatthefrontofthisbookletforadviceonhowtoreplacelostorstolenpersonal money.
Special conditions1. Youmustalwaystakereasonablecaretokeepyour personal moneysafe.Ifyour personal moneyislostorstolenyoumusttakeallreasonablestepstogetitback.2. Youmustbeabletoprovethatyouownthelostorstolenpersonal moneyandhowmuchit isworth.Ifyoudonot,itmayaffectyourclaim.
The most we will pay Themostwewillpayforeachinsured personis£500butnomorethan£300forcashorbanknotes.Areducedlimitof£100forcashorbanknotesappliestoinsured personsunder16yearsofage.
What is not covered1.Anylossortheftofpersonal moneywhichyoudonotreporttothepolicewithin24hoursofdiscoveryandgetawrittenpolicereport(whereitisnotpossibletoobtainapolicereportyoumustprovideotherindependentproofoflosssuchasaletterfromyourtransportcompanyorresortmanagement).2.Theftofpersonal moneyfromalockedroom,safe,motorvehicleorcaravanunlessthereisevidenceofforcibleorviolententry.3. Any personal moneywhichisdelayed,detainedorconfiscatedbycustomsorotherofficials.4.Bonds,securitiesordocumentsofanykind.5.Theftofpersonal money not carried in your handbaggagewhileyouaretravelling.6.Theftofpersonal moneywhileitisunattended.7.Shortagesduetoamistakeorlossduetoachangeinexchangerates.8.AnythingmentionedintheGeneralExclusions.
Section P – Delayed BaggageIfyourbaggageistemporarilylostonthe outwardjourneyandyouarewithoutitformorethan12hours,wewillpayforthereplacement ofessentialitems.
Special condition Toclaimunderthissection,youmustkeep thereceiptsofanythingyoubuyandgetwrittenconfirmationfromthecarrierofthenumberofhoursyouwerewithoutyourbaggage.
The most we will pay Themostwewillpayforeachinsured person is£150.
What is not covered1.Anyclaimforbaggagedelayedordetained bycustomsorotherofficials.2.AnythingmentionedintheGeneralExclusions.
Section Q – Baggage coverWewillcoveryouforloss,theftoraccidentaldamage to yourpersonalbelongingsandvaluables during your trip.
Special conditions1. Youmusttakereasonablecaretokeepyour personalbelongingsandvaluablessafe.Ifyour personalbelongingsorvaluablesarelostorstolen,youmusttakeallreasonablestepstogetthemback.2.Ifyourpersonalbelongingsorvaluables arelostordamagedbyanauthority,atransport
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companyorhotel,youmustreportthedetailsofthelossordamagetotheminwritingandgetwrittenconfirmation.3.Ifyourpersonalbelongingsorvaluables are lostordamagedbyanairline,youmust:a.getapropertyirregularityreportb.givewrittennoticeoftheclaimtotheairlinewithinthetimelimitintheirconditionsofcarriage(youshouldalsokeepacopy)c.keepalltravelticketsandtagsifyou claim underthissection.4. Youmustbeabletoprovethatyouwereresponsibleforthelost,stolenordamageditemsandhowmuchtheyareworth.Ifyou do not do this,itmayaffectyourclaim.5. At ouroption,wewillsettleanyclaimbypaymentorreplacement.Wewillpayclaimsforpersonalbelongingsandvaluablesbasedontheirvalueatthetimeofloss.Wewillnotpaythecostofreplacingthemwithnewitems,andwewillnotpaymorethantheoriginalpurchasepriceofanylostordamageditem.6.IfyouhavealsomadeaclaimundertheDelayedBaggagesectionthisamountwill bedeductedfromtheamountclaimedunder thissection.
The most we will pay Themostwewillpayforeachinsured person is£1500butnomorethan:•£300foranyonearticle,pairorsetofarticles;and•£400intotalforvaluables.
What is not covered1.Lossortheftofpersonalbelongingsorvaluableswhichyouhaveleftunattended.2.Cracking,scratchingorbreakingofglass(exceptlensesincamera,binocularsorspectacles),china,porcelain,ceramics,pottery,ornamentsorsimilarfragilearticles.3.Wearandtear,lossofvalueanddamagecausedbymothsandvermin,oranyprocess ofcleaning,repairingorrestoring.4.Theftofpersonalbelongingsorvaluablesfromalockedroom,safe,motorvehicleorcaravanunlessthereisevidenceofforcibleandviolententry.5.Pedalcycles,contactlenses,hearingaids,medicalanddentalfittings.6.Anylossortheftwhichyoudonotreportto
thepolicewithin24hoursofdiscoveryandget awrittenreport(whereitisnotpossibletoobtainapolicereportyoumustprovideotherindependentproofoflosssuchasaletterfromyourtransportcompany,vehiclehirecompanyorrepairer.7. Winter sports equipment.8.Scubadiving,golfandfishingequipment.9.Antiques,fursortelescopes.10.Anygoodsdelayed,detainedorconfiscatedbycustomsorotherofficials.11.Itemsusedinconnectionwithyourjobwhicharenotownedbyyou.12. Personal money,bonds,securitiesordocumentsofanykind.13.Loss,damageortheftofvaluables not carried in yourhandbaggagewhileyouaretravelling.14.AnythingmentionedintheGeneralExclusions.
Section R – Winter Sports cover Cover under the Winter Sports sections only applies for a maximum of 21 days in total in calendar year.
Winter sports equipment 1.Ifyour winter sports equipmentislost,stolenor damaged by accident during your trip,wewillpayfortheirreplacementorrepair,whicheverislower,aftermakinganallowanceforwearandtearandlossofvalueusingthescalebelow.•Uptooneyearold,90%ofthepurchaseprice•Uptotwoyearsold,70%ofthepurchaseprice•Uptothreeyearsold,50%ofthepurchaseprice•Uptofouryearsold,30%ofthepurchaseprice•Overfouryearsold,20%ofthepurchasepriceThemostwewillpayis£500foreachinsured person.2.Ifyouhirewinter sports equipmentanditislost,stolenordamagedbyaccidentduringyour trip,wewillpayforitsreplacementorrepair.Themostwewillpayis£500foreachinsured person.3.Ifwepayunderitems1or2above,wewillalsopaytohirereplacementwinter sports equipmentfortherestofyour trip.Themostwewillpayunderitem3is£200foreachinsured person.4. Wewillpayupto£200toreplaceyourlift passifitislostorstolenduringyour trip.
Special conditions1. Youmusttakereasonablecaretokeepthewinter sports equipmentsafe.Ifthewinter
Delay due to AvalancheWewillcoveryouforthecostofextratravelandaccommodationifanavalanchedelaysyour arrival atordeparturefromthebookedresort.
The most we will pay Themostwewillpayforeachinsured person is£200.
Piste ClosureThis section does not apply to cross-country skiing.Ifallpistesattheresortyouhavebookedareclosedbecauseoflackofsnow,excessivesnoworhighwindswewillpayyouadailybenefitof£30.
Special conditions1.ThissectiondoesnotapplyintheUKandwithinEuropethecoveronlyappliesduringtheperiod15Decemberto15April.2. Youmustprovideevidencethatconfirms thepisteclosurefromeitheryourtouroperator orresortmanagement.
The most we will pay Themostwewillpayforeachinsured person is£300.
Ski PackIf,duetoillnessorinjury,you are medically certifiedasbeingunabletoskiorsnowboard
The most we will payThemostwewillpayforeachinsured person is£300.
Inability to take part in Winter Sports ActivitiesIf,duetoinjuryorillnessduringyour trip,you cannottakepartinwintersportsactivities,wewillpayyou£20foreachdayyouarepreventedfromdoingso.
The most we will payThemostwewillpayforeachinsured person is£200.
What is not covered under Winter Sports cover1.Deliberateormaliciousdamagetowinter sports equipmentcausedbyyou.2.Lossordamagetowinter sports equipment causedbyyourcarelessnessorneglect.3.Damagetowinter sports equipmentcausedbywearandtear,lossofvalueanddamagecausedbymothsorvermin,oranyprocessofcleaning,repairingorrestoring.4.Lossesfrommotorvehicles.5.Anylossortheftwhichyoudonotreporttothepolicewithin24hoursofdiscoveryandgetawrittenreportfor(whereitisnotpossibletoobtainapolicereportyoumustprovideotherindependentproofoflosssuchasaletterfromyourtransportcompanyorresortmanagement).6. Winter sports equipmentthatisdamagedwhileitisbeingused.7.AnyclaimforSkiPackorInabilitytotakepartinWinterSportsactivitieswherethereis,orwouldbe,novalidclaimforthatmedicalconditionunderSectionB
Complaints ProcedureOur Promise of ServiceOurgoalistogiveexcellentservicetoallour customersbutwerecognisethatthingsgowrongoccasionally.Wetakeallcomplaintswe receive seriouslyandaimtoresolveallourcustomers’problemspromptly.Toensurethatweprovidethekindofserviceyouexpectwewelcomeyourfeedback.Wewillrecordandanalyseyour commentstomakesurewecontinuallyimprovetheserviceweoffer.What will happen if you complain?
•Wewillacknowledgeyourcomplaintpromptly.
•WeaimtoresolveallcomplaintsasquicklyaspossibleMostofourcustomers’concernscanberesolvedquicklybutoccasionallymoredetailedenquiriesareneeded.Ifthisislikely,wewillcontactyouwithanupdatewithin10workingdaysofreceiptandgive youanexpecteddateofresponse.What to do if you are unhappyIfyouareunhappywithanyaspectofthehandlingofyourinsurancewewouldencourageyou,inthefirstinstance,toseekresolutionbycontacting:Ifyourcomplaintisregardingaclaimyouhavemadepleasecontactus by:
Financial Services Compensation SchemeWearemembersoftheFinancialServicesCompensationScheme(FSCS).You may be entitledtocompensationfromthisschemeifwe cannot meet ourobligations,dependingonthetypeofinsuranceandthecircumstancesofyour claim.FurtherinformationabouttheschemeisavailablefromtheFSCSwebsitewww.fscs.org.uk,orwritetoFinancialServicesCompensationScheme,10thFloor,BeaufortHouse,15StBotolphStreet,LondonEC3A7QU.
How to make a claim – help us to help youWe recommend youreadthefollowinginformationbeforeyoutravel.Youcanalsouseitasaquickreferenceguideifyouneedtomakeaclaim.Forfulldetailspleaserefertotherelevantpolicysectionofthisbooklet.
Before you travel•Readyourpolicydocumentationtomakesureyouhaveallthecoveryourequireforyour trip andensurethatyouunderstandthetermsandconditionsofthecoverprovided.•Makesureyouareawareofthepolicylimits andexcesses.•Honestyisthebestpolicy–pleaseensureyouhavetoldusaboutanypre-existingmedicalconditionsrelatingtoyou,andanyonewhosegoodhealthyour tripdependson(whethertravellingornot).ItisveryimportantthatyoureadandcomplywiththeMedicalDeclarationonpage20.•PleasecontacttheCustomerServiceshelplineshownatthefrontofthisbookletifyouhaveanyqueries.
When making a claim•Contacttherelevanthelplinenumbershownatthefrontofthisbookletassoonasyoucanforassistance.•Checkthecoveryouhaveandthepolicylimitforthesectionyouwishtoclaimunder.•Checkforanyspecialconditionsinthisbookletthatapplytothesectionyouareclaimingagainst.•Beawarethatwhereanexcessappliesyouwillneedtopaytheamountshown.•Ensurethatyoukeepanydocumentationwe mayrequire.
•Checkthatthereasonyou are cancellingislistedasbeingcoveredintheCancellationChargessectionofyourpolicybooklet.•ContacttheTravelClaimshelplineassoonasyouknowyou need to cancel your trip.
•Amedicalcertificatefromyour UK doctorconfirmingthereasonforcancellation.Ablankcertificatewillbeissuedwithyourclaimform.•Deathcertificate(whereapplicable).•Documentaryevidencethatyouhavebeenunabletoobtainarefundfromyourtravel/accommodationprovider.
•Doeverythingtogettoyour point of international departureontime.•ContacttheTravelAssistanthelplinenumberimmediately.Thecarriercanbe contacted on yourbehalftomakealternativearrangements.
Air passengers – know your rightsIt’softendifficulttoknowwhomightberesponsibleforcancelledordelayedflightssotravellersneedtobeawareoftheEuropeanUnion(EU)regulationsthatprotectyourrighttobeingtreatedfairlyasanairpassenger.AllairlinesdepartingfromanairportinanEUmemberstatehaveresponsibilitiestoassisttheirpassengersiftheirflightiscancelledordelayedandincertaincircumstancesareobligedtopayyoucompensation.Airlinesarealsoresponsibleforlossordamagetoyourbaggageduringcarriage.Thefollowinginformationmayassistyou.HoweverforthelatestadviceandfurtherdetailsonyourrightsasanairlinepassengerandcompensationindifferentsituationspleasevisitUKCivilAviationAuthoritywebsiteatwww.caa.co.uk.Youshouldalsorefertothetermsandconditionsoftheairlineyouaretravellingwith.Wearenotresponsibleforthecontentofotherwebsites.My flight has been cancelledIfyougettotheairportintheUKandfindyourflighthasbeencancelledtheairlineresponsibleshouldofferyouachoiceofthefollowing:•Arefundwithin7daysofthefullcostoftheunusedticket,or•Re-routingtoyourfinaldestinationattheearliestopportunity,or•Re-routingtoyourfinaldestinationatalaterdateconvenienttoyou.Inreasonablerelationtowaitingtimetheairlineshouldalsoofferyou:•Freemealsandrefreshments•Hotelaccommodationandtransfersshouldyouhavetostayovernight•Twofreephonecalls,faxesoremails.Incertaincircumstancesyoumayalsobeentitledtocompensation.My flight has been delayedIfyourflightfromtheUKhasbeendelayedyouhaveastatutoryrighttomealsandrefreshments,helpwithcontactingfamilyorfriendsandovernightaccommodationwhereapplicable:•Mealsandrefreshmentsappropriatetodelay,twofreecalls,faxesoremailsfor:–Anydelayover4hours–Delaysover3hoursforflightsover932mileswithintheEU–Delaysover2hoursforflightsupto932miles.
•Refundofyourticketifyoudecidenottotravelwhenyourflighthasbeendelayedforover5hours.•Hotelaccommodationandtransfersifyourflightisnotexpectedtoleaveuntilthenextday.My baggage has been lost, damaged or delayed by an airlineYourairlinehasaresponsibilitytoyouasfollows.Wherepossibleit’sbesttoreportanyproblemsbeforeyouleavetheairport.•Theairlinewillbeliableifyourbaggageisdestroyed,lostordamagedduringcarriagesolongastheyagreedtocarrytheitemsatcheck-inandyoucanprovidereceiptsforthem.•TheamountyoucanclaimislimitedbytheMontrealConvention,andtheairlinewilldecideontheamountfollowingassessmentofyourclaim.•ItisimportantthatyouobtainaPropertyIrregularityReportfromtheairlineoragentasyouwillneedthistoproveyourlosswhenmakingyourclaimtotheairline.Ideallyyoushouldobtainthisbeforeleavingtheairport.•Aclaimtotheairlinemustbesubmittedwithin7daysfordamagedbaggageandwithin21daysfordelayedbaggage.•TheMontrealConventionrequiresairlinestotreatabagaslostafter21dayssoyoushouldmakeyourclaimassoonaspossibleifyourbaggageisstillmissingafterthistime.
Air passengers – what will my Travel Insurance policy cover me for?Delayed departureTheextraaccommodationandtravelcostsyouhavetopaytoreachyourdestinationifyou missyourinternationaldepartureduetocertaintransportproblems.Compensationforeach12hourperiodyou are delayed on youroutwardjourneyorthefinalpartofyourreturnjourneytotheUK.Coverforbuyingessentialitemssuchastoiletriesandclothingifyourbaggageistemporarilylostformorethan12hourswhenyou arrive at yourdestination.
Lost, damaged or delayed baggageAlthoughtheairlineisresponsibleforlossordamageto yourbaggageduringcarriage,yourTravelInsurancepolicywillofferyoufurtherprotection.•Yourpolicywillcoveryouforloss,theftoraccidental damage to yourpersonalbelongingsorbaggage during your trip.•WewillrequirewrittenconfirmationofanylossordamageasdetailedintheBaggagecoversectionandconfirmationofanypaymentsyou havereceivedfromtheairline.FulltermsandconditionsofyourTravelInsurancecovercanbefoundwithinthispolicybooklet.
Important information about HSBCExplaining HSBC’s serviceYourTravelInsurancepolicyisprovidedbyAvivaInsuranceLimitedandasaninsuranceintermediaryHSBCBankplcdealsexclusivelywithAvivaforpurposesofyourpolicy.Onceyourpolicyhascommenced,youwilldealdirectlywithAvivaforallyourongoingpolicyadministrationandclaims.WhenyoutookoutyourqualifyingbankaccountnoadviceorrecommendationregardingthesuitabilityofthisTravelInsurancewasprovidedbyHSBCBankplc.NoadditionalfeehasbeenchargedbyHSBCBankplcforarrangingthiscontract.HSBCBankplcisregisteredinEnglandnumber14259.RegisteredOffice:8CanadaSquare,London,E145HQ.
Loans and OwnershipHSBCBankplcisamemberoftheHSBCGroup,theultimateparentcompanyofwhichisHSBCHoldingsplc.HSBCHoldingsplcbeneficiallyholds100%ofboththesharesandvotingpowerofHSBCBankplc.HSBCLife(UK)LimitedisawhollyownedsubsidiaryofHSBCBankplc.ThefollowinginsurancecompaniesarealsowhollyownedmembersoftheHSBCGroup:•HSBCInsurance(Ireland)Limited•HSBCGeneralInsuranceServices(UK)Limited•HSBCLife(Europe)Limited
Who regulates HSBC Bank plc?HSBCBankplc,8CanadaSquare,London, E145HQ(www.hsbc.co.uk)isauthorisedandregulatedbytheFinancialServicesAuthority.ItsFSARegisternumberis114216.YoucancheckthisontheFSA’sRegisterbyvisitingtheFSA’swebsitewww.fsa.gov.uk/registerorbycontactingtheFSAon08456061234.Itspermittedbusinessisadvisingonandarranginginsurancecontracts.
What to do if you have a complaint about HSBC Bank plcEveryeffortismadetoensurethathighstandardsofservicearemaintained.However,ifyouneedtobringanymattertoHSBC’sattentionorwishtoregisteracomplaintaboutHSBCBankplc,pleasecontactus:•inwriting:TheManager ServiceQualityTeam HSBCBankplc ArlingtonBusinessCentre MillshawParkLane LeedsLS110PP•bytelephone:0800881155 (textphone1800108000283516). Linesareopen9amto5pmMondaytoFriday•byemail:servicequality@hsbc.comIfyoucannotsettleyourcomplaintwithHSBCBankplc,youmaybeentitledtoreferittotheFinancialOmbudsmanService.Followingthecomplaintsproceduredoesnotaffectyourright totakelegalaction.
Is HSBC covered by the Financial Services Compensation Scheme (FSCS)?HSBCBankplciscoveredbytheFSCSandyoumaybeentitledtocompensationfromtheschemeifitcannotmeetitsobligations.Thisdependsonthetypeofbusinessandthecircumstancesoftheclaim.Insuranceadvisingandarrangingiscoveredfor90%oftheclaimwithnoupperlimit.FurtherinformationaboutcompensationschemearrangementsisavailablefromtheFSCS.
Further important information about your policyHSBCBankplcmayfromtimetotimeuseadifferentinsurer(s)toprovideyouwiththisproduct.Achangeofinsurer(s)maytakeplaceatanytime.HSBCBankplcwillnotifyyoupriortoanychangeofinsurer(s)andadviseyouofanychangeinthepolicyterms.Youwillhavetheopportunitytoterminateyourqualifyingbankaccountbothbeforeandaftersuchachangebecomeseffective.
Your duty to disclose informationItisyourresponsibilitytoprovidecompleteandaccurateinformationtotheinsurer,throughoutthelifeofyourpolicy.Failuretodiscloseanyrequestedinformation(thesearefactsthattheinsurerwouldregardaslikelytoinfluencethemedicalriskassessmentandacceptanceofthisinsurance),couldinvalidateyourinsurancecoverandcouldmeanthatpartorallofaclaimmaynotbepaid.
