A journey that takes place during the period of cover which begins when you leave home and ends when you get back home, or to a hospital or nursing home in the United Kingdom, whichever is earlier. DOCUMENT OF INSURANCE TRAVEL 2 Contents Page Welcome to LV= 1 General policy information Summary of policy limits 3 Your travel insurance policy 5 Definitions 5 Important information about your policy 9 Important information about health declarations and health exclusions 13 General exclusions 15 General conditions 17 Activities 20 Cover sections Annual travel insurance (Multi trip insurance). Your policy is a formal, legally-binding contract of insurance that includes the terms of your cover. We recommend you seek advice from a financial consultant before making any financial or investment decisions. 003.1 827 0 obj <>/Filter/FlateDecode/ID[<93A6CDA08296544BA2F5AEDE33080458>]/Index[810 60]/Info 809 0 R/Length 94/Prev 131691/Root 811 0 R/Size 870/Type/XRef/W[1 2 1]>>stream For single trip cover - cancellation cover begins from the cover start date shown on your schedule and ends when you start your trip. It will give an additional sum to insure your sports equipment and give you a closed tracks insurance. We specialise in providing travel insurance for people who have medical conditions but don't want to be held back by them. 810 0 obj <> endobj We don't cover bobsleigh, skeleton bobsleigh or luging, heli-skiing, ski acrobatics, ski flying, ski jumping, ski mountaineering, ski racing, ski randonee, ski stunting, ski touring or snowcat skiing. Foreign, Commonwealth and Development Office (FCDO). Trips within the United Kingdom must have either pre-booked accommodation, or be more than 25 miles from your home, or involve a sea crossing. If the activity you want to do isn't listed, please contact us with the details - we may be able to cover you. You’re not allowed to go on holiday at the moment, as a strict ‘stay at home’ rule is in place across the country. h�bbd``b`�$�A���$�x@-@�)Hp6�$t�W� Be clear on what you’re buying from us with our travel insurance and read our sample policy document here. For all other sections, cover starts at the beginning of your trip and finishes at the end of your trip. About LV= Travel Insurance • 10% online discount • Up to £10,000 cancellation cover • All pre-existing medical conditions considered • No upper age limit for single trips Children If you are quarantined as a result of COVID-19, you could be covered under the Trip Cancellation or Curtailment benefit, subject to the terms and conditions of your insurance policy. I�� � a c4��L�̻�,F���w� �u � By adding winter sports to a single trip policy, we'll cover you up to 31 days, if you need cover for longer please call us to discuss your requirements. Accordingly, the volunteer is solely responsible for deciding the type, extent, and level of any insurance they require during the planned travel period and is solely responsible for organizing and covering the costs of this insurance. l=8[��\l�t?d���)��zF�� �k����bI���� R2�u��c�8��h���T��\w�c��+���a���{�l5���&�vWGG�J����O˻���y���5 �H�ü�? 12 Mar 2020 :��t^�,t��A��8V����~:z�2UDig�o΢���\^tM���4�?��ګ �s=�q� ��:�B��}h�S%=4�Ck�(tw1�L� Terrorism is an act or threat of action by a person or group of people, whether acting alone or in connection with an organisation or government, committed for political, religious, ideological or similar purposes intended to influence any government or to frighten the public or any section of it. We offer full screening - either online or on the phone - for 1000s of conditions and … Please check the policy for full details. If you have or have had a more serious pre-existing medical condition and are struggling to find travel insurance, the Money Advice Service medical directory may be able to help. Just click the link below to view, save or print information on the policy features, benefits, cover levels and limits. Personal accident cover insures you against certain accidents resulting in the loss of sight, loss of limbs or total permanent disablement. If you can't finish your trip as planned because of death, injury or illness or there's a delay to the public transport system that can't be avoided, we’ll extend cover free of charge until you can reasonably finish your trip. The average cost of single-trip travel insurance policies was £15.65 for those without medical conditions in 2018. If you are logged out of your account, the rates shown will be the Plus member rates. An 'action' means: violence, damage to property, putting life in danger, creating a public health risk, or disrupting electronic systems or transport services. LV's travel insurance policy is underwritten by Liverpool Victoria Insurance Company Limited. The excess is the amount you must pay towards a claim before we'll make any payment and are shown on your policy schedule. For all other sections, cover starts at the beginning of your trip and finishes on the cover end date shown on your schedule, or when your trip ends if that is earlier. Baggage includes sports equipment such as golf clubs, winter sports equipment, scuba equipment and mobility aids such as wheelchairs. Registered address: County Gates, Bournemouth, BH1 2NF, Tel 01202 292333. Remember to check the tick box to confirm that you have read, understood and agreed to the Terms and Conditions of your insurance policy, in particular the Conditions and Exclusions relating to all pre-existing medical conditions. Travel insurance will be in effect also for domestic trips; If COVID‑19 illness is diagnosed while travelling, the insurer shall compensate all expenses incurred in the first 14 days of travelling in relation to provision of medical aid abroad Familiarise with the new terms and conditions of credit card travel insurance … 7��2���Q�N�b X���4�[�A/ܭ�B����F烦�F�-�!4.�W�nU��. Great value, excellent customer service – travel insurance you and your family can rely on. Please refer to the policy wording for full details. Each of your suitcases, trunks and similar containers (including their contents), possessions and items you wear, carry or use, that are taken on or purchased during a trip by you, but not valuables (which are defined below). Information from the FCDO can be found at https://www.gov.uk/government/organisations/foreign-commonwealth-development-office or by calling 020 7008 1500. %%EOF If you return home without having contacted us, we may not be able to pay your claim. All cover ends on the cover end date shown on your policy unless you can't finish your trip as planned because of death, injury or illness or there is a delay to the public transport system that can't be avoided, in which case we'll extend cover free of charge until you can reasonably finish your trip. At the Portal, you enjoy an opportunity to check out your travel insurance policy cover, terms and conditions. Also, any costs that you're ordered to pay by a court or arbitrator (other than damages, fines and penalties) or any other costs we agree to pay. Find the detailed overview in the terms and conditions. Whether you have high blood pressure, diabetes, cancer or anything else, you must declare it. All our policy benefits are subject to terms, conditions and exclusions. If you do not wish to proceed with the booking at the new price, y… Exclusions are things that your insurance won't cover, such as fraud. Defaqto are a leading UK independent financial research company, specialising in rating, comparing and analysing financial products. If you have a cancellation, curtailment or medical claim, we won't pay the first £90 of your claim. This includes keeping valuables with you and using public medical facilities whenever these are available. If you’re happy with that, just continue using the site. If you return home before your cover end date, all cover will also end. Each person shown on the schedule, for whom the appropriate insurance premium has been paid. A child is any insured person, other than the policyholder and the policyholder's spouse or partner, who is aged 21 years or under and named on the schedule. Children will be covered subject to the terms and conditions of the Boots Travel Insurance policy. Adventure activities are listed under the Activities section of your policy. Your trip is from the trip start date to the cover end date shown on your schedule. Legal action means settlement negotiations, hearings in a civil court, arbitration and any appeals resulting from such hearings that we've agreed to. Hello and welcome to Travel Insurance 4 Medical. Travel insurance policy details. Working abroad Choose this extra cover when travelling abroad for employment or practical training. Personal injury sector 'laying down arms' amid Covid crisis - LV= FCA dual pricing ban could be ‘catalyst’ for Amazon to enter insurance ‘Mediocrity cannot be tolerated’ in impending LiP portal says Minster Law boss. If you are logged in to your account, the rates above sometimes include a bonus relevant to your membership level. A trip can't be more than 366 days if you are less than 65 years of age or more than 90 days if you're 65 years of age or over. 869 0 obj <>stream Airlines, Cruise Liners and Hotels) to sell out, alter or withdraw prices including advertised special rates. hެ��r�8ǟ��A&s��%�?��d�@Ih�& ���c2 Cancellation cover begins from the cover start date shown on your schedule and ends when you start your trip. If you have selected manual renewal, the renewal date is the date that the policy cover will end unless you call to renew and continue the policy cover. If prices, rates or inclusions vary from your quotation or from an advertised price, we will advise you of any change prior to your booking request and any transaction being processed. A trip can't be more than 366 days if you are less than 65 years of age or more than 90 days if you're 65 years of age or over. The policy term is how long the policy runs; in other words, the period you're covered for. An insurer is a provider of insurance. Learn more about cookies. mobile phones, laptops, games consoles, portable audio equipment, portable visual equipment, memory sticks, chargers, dongles), any kind of photographic or recording equipment and their accessories (including CDs, DVDs, tapes etc), items made of or containing precious metals or (semi) precious stones, furs, animal skins, antiques, binoculars, telescopes, musical instruments. A director of the company must be able to confirm this in the event of a claim. A colleague is a person in the UK who works for the same company as you and who, if away from work at the same time as you, would prevent the business from running properly. If an accident occurs during your travel and the accident is included in your travel insurance cover, we encourage you to claim the indemnity quickly and simply at Customers’ Portal by adding all the documents required. For all your car, home, travel, pet and other insurance enquiries, For all life insurance, investments retirement support, https://www.gov.uk/government/organisations/foreign-commonwealth-development-office, There's no limit on the number of trips you take during the period of cover, Any trip that's booked to last longer than 31 days is not covered on the Essential policy, Any trip that's booked to last longer than 90 days is not covered on the Premier policy, A circulatory condition such as strokes or high blood pressure, A gastrointestinal or digestive tract problem, Medical investigation or tests for any conditions or symptoms that relate to a diagnosed condition, Treatment or surgery for any conditions or symptoms that relate to a diagnosed condition, Prescribed medication for any conditions or symptoms that relate to a diagnosed condition, Name of the policyholder and additional travellers (if applicable), Any medical conditions that may vary the terms of your insurance, A trip can’t be more than 366 days if you are less than 65 years of age, or more than 90 days if you're  65 years of age or over. W*kaC>i1�>�Yow�HŹ��s��fSC�n�/.ˑ��sơSgE6��9W��&h6��X�t Is to provide cover for unexpected emergency medical treatment costs and to arrange to get you back home if you're too unwell to continue your trip (please note that emergency medical treatment costs are not available if you only have UK cover because the NHS will cover these). This cover is designed to reimburse you for costs you've paid if you have to cut your trip short because of the sudden and unexpected illness or injury of you, a close relative or travelling companion. In case of conclusion of insurance contract only insurance terms and conditions in Latvian are binding. The company was initially set up in 1843 to help with funeral expenses, but now offers a range of insurance, retirement and investment products. Travel brokers reveal mixed approach to coronavirus cover. ����6i���]ɀI i27`$���j�����9,5Ɲ���ø��K[�DMb�2��v�dR n The policy does not cover any trip which has already begun before your cover start date. Advice from the Foreign, Commonwealth and Development Office is available to help you prepare for travelling abroad. All policies are underwritten by LV. The person named as the policyholder on the schedule. This amount applies to each claim but does not apply to all sections of the policy. Your trip is from the trip start date to the cover end date shown on your schedule. No cover is provided if you're travelling to receive treatment or get medical advice or if you know you'll need treatment while you’re away. Please refer to your travel document of insurance for full details of your policy’s exclusions. 5202.03 AAS BALTA Electronic Risk Insurance Terms and Conditions for Private Individuals If P&C Insurance apdrošināšanas līguma vispārējie noteikumi Nr. The Money Advice Service Medical Directory. 4101.02 TRAVEL INSURANCE TERMS AND CONDITIONS This is the English translation of insurance terms and conditions and can be used for informational purposes only. Includes children, step children, foster children or adopted children of you or your spouse or partner (as long as … Legal costs are fees, costs and expenses (including Value Added Tax or equivalent local goods and services taxes) that we agree to pay for you in connection with legal action. A premium is the amount you pay for your policy and includes Insurance Premium Tax (IPT). h�b```b``�d`a`�``@ �+sl����1=g~��ɏ�:�W��]�]��C��s��ٳ�̹w3 �]��w A travelling companion is a person who's booked to travel with you on your journey. %PDF-1.6 %���� Anywhere except the following places: Anguilla, Antigua, Aruba, Bahamas, Barbados, Barbuda, Belize, Canada, Cayman Islands, Caribbean Islands, Costa Rica, Cuba, Curacao, Dominica, Dominican Republic, El Salvador, Grand Cayman, Grenada, Guadeloupe, Guatemala, Haiti, Hawaii, Honduras, Jamaica, Martinique, Mexico, Montserrat, Netherlands Antilles, Nicaragua, Panama, Puerto Rico, Saint Barthelemy, Saint Eustatius, Saint Kitts and Nevis, Saint Lucia, Saint Martin, Saint Vincent and the Grenadines, Trinidad and Tobago, Turks and Caicos Islands, United States of America, Virgin Islands (British and United States). This can't include you, a travelling companion, someone you work with or a relative. Please refer to your policy for the full terms and conditions. With the UK in lockdown, holidays are off the table for at least the first part of 2021. For annual multi-trip cover - cancellation cover begins on the cover start date shown on your schedule or the date you booked your trip, whichever is later, and ends when you start your trip (or when your policy cover ends if earlier and the policy isn’t renewed). Quotes, Rates and Price Variations:Our quotation system accesses both live pricing and static pricing depending upon the supplier. Spending some time reviewing and planning your trip by looking at the information on their Travel Aware page can help you stay safe and healthy while you're away. For your policy and includes insurance premium has been paid: //www.gov.uk/government/organisations/foreign-commonwealth-development-office or by calling 020 7008.. 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