CheapOair.co.uk
YOUR CHEAPOAIR CANCELLATION INSURANCE POLICY Reference Number: CHEAPOAIR CH1701

HOW TO MAKE A CLAIM

Claims under Section A - Travel Cover

Contact Global Response calling 00 44 (0) 343 658 0345 or email claims on travelclaims@global-response.co.uk

IMPORTANT HEALTH REQUIREMENTS FOR ALL INSURED PERSONS

You will not be covered under this policy for any claims arising directly or indirectly from a pre-existing medical condition.

For the purposes of this insurance, a pre-existing medical condition is considered to be:

  1. You must be fit to undertake your planned trip.
  2. You must not travel against medical advice or with the intention of obtaining medical treatment or consultation abroad.
  3. We will not cover you for any pre-existing medical condition.
  4. If you are on a waiting list for treatment or investigation, you are not covered if you have to cancel or curtail your trip because an appointment or treatment becomes urgently available.

CONTENTS

SUMMARY OF COVER

Cover
Per person unless otherwise shown.
Limits up to
Excess
per person per claim
Cancellation £3,000 Nil

CHEAPOAIR

This policy has been arranged by Cheapoair which is a trading style/appointed representative of Rock Insurance Services Limited (ROCK). Rock Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA). ROCK's FCA registration number is 300317.

You can check the regulatory status of ROCK by visiting http://www.fca.org.uk/register or by telephoning 0800 111 6768. ROCK is the administrator of this policy and has brought together a number of different insurers to provide the following benefits.

THE INSURERS

The insurer details provided below can be checked on the Financial Services Register by visiting: www.fca.org.uk or contacting the Financial Conduct Authority on 0800 111 6768.

INSURER DETAILS

Benefits under this policy are provided by EUROP ASSISTANCE S.A, a French stock corporation, regulated by the French Insurance Code, having its registered office at 1, promenade de la Bonnette, 92230 Gennevilliers, France, registered in the Register of Commerce and Companies of Nanterre

(Reference number 451 366 405) acting through its Irish office (trading as EUROP ASSISTANCE S.A., Irish Branch) whose principal establishment is located at 4th Floor, 4-8 Eden Quay, Dublin 1, D01N5W8, Ireland, registered in the Irish Companies Registration Office under number 907089.

Europ Assistance S.A. (trading as Europ Assistance S.A. Irish Branch) is regulated in France by the Autorite de Controle Prudentiel et de Resolution (ACPR) of 61 rue Taitbout, 75436 Paris Cedex 09, France. Europ Assistance S.A. Irish Branch conducts business in Ireland in accordance with the Code of Conduct for Insurance Undertakings published by the Central Bank of Ireland.

IMPORTANT INFORMATION

ELIGIBILITY CRITERIA

You should note that the policy will NOT cover you if:

NON-TRAVELLING RELATIVES

This policy will NOT cover any claims arising directly or indirectly from any medical condition known to you prior to the start of your period of insurance, and before booking your trip affecting any close relative, travelling companion, or person you are going to stay with on your trip if:

GEOGRAPHICAL LOCATIONS

Home Country
Your Home Country within the EU.
Europe

Means the continent of Europe west of the Ural Mountains including the Republic of Ireland, the Isle of Man, Channel Islands and all countries bordering the Mediterranean Sea, as well as Madeira and The Azores, including Spain, The Canaries, Turkey, Cyprus, Malta and Switzerland. For residents of the Isle of Man and Channel Islands travelling to the United Kingdom, the United Kingdom shall be considered as Europe.

Worldwide, excluding USA, Canada, Caribbean and Mexico
Means anywhere in the world except the United States of America, Canada, the Caribbean and Mexico.

Worldwide, including USA and Canada
Means anywhere in the world.

Please note:
No cover is provided for trips where you have planned to travel to a specific country or to an area where, prior to your trip commencing, the Foreign and Commonwealth Office have advised against all (but essential) travel.

COVER

This wording provides full details of all your cover.

The policy covers all persons named on the certificate of insurance for whom the premium has been paid.

This policy wording contains all possible levels of cover on offer.

If you are in any doubt about any aspect of this policy wording please contact us using the telephone number on your certificate of insurance.

YOUR PREMIUM

ROCK collects and holds insurance premiums as an agent of the insurer. We do not charge a fee for arranging your policy. However, administrative fees may be applicable if you wish to receive your documents by post or you require an amendment to your policy at a later date.

YOUR DUTY OF DISCLOSURE

It is vital that you answer any questions in relation to arranging or administering this insurance policy honestly and accurately. You must take reasonable care not to make any misrepresentation because inaccurate answers may result in a claim being declined.

HOW TO MAKE A CLAIM

Please contact the following should you need to make a claim:

Contact Global Response calling 0343 658 0345 or email claims on travelclaims@global-response.co.uk

Claims under this section must be submitted within 28 days of your cancellation.

CANCELLATION OF YOUR POLICY

We hope you are happy with the cover this policy provides. However, you have the right to cancel this policy, should it not meet your needs, within 14 days from either the date of purchase or receipt of your certificate of insurance, whichever is later, and provided that you have not already travelled.

If you do decide to cancel the policy during the 14 day cooling off period then your premium will be refunded in full, provided no claims have been made or no incidents have occurred that may give rise to a claim. Should you decide to cancel after the 14 day cooling off period no refund will be given.

We may cancel this policy at any time if you have not paid your premium or if there is reasonable evidence that you misled us or attempted to do so. By this we mean, if you are dishonest or use fraudulent means to benefit under this policy or if you give any false declaration or make a deliberate misstatement when applying for this cover or when making or supporting your claim.

We will contact you by email and tell you at your last known email address if we cancel your policy, or by letter if we do not hold an email address for you.

FRAUD

If you or anyone acting on your behalf makes a false or fraudulent claim or supports a claim by way of false or fraudulent document(s), or statement, then this policy will be cancelled with immediate effect and any claim rejected. In these circumstances, we reserve the right to retain the premium you have paid and to recover any sums we have paid you. We may also pass your details to the police and share your details with other insurance companies.

COMPLAINTS

We always aim to provide a first class service. However, if you have any cause for complaint, please address these in the first instance to:

The Compliance Manager,
ROCK Insurance Group,
Griffin House,
135 High Street,
Crawley,
West Sussex,
RH10 1DQ
Email: admin@rockinsurance.com

If you are still not satisfied you can contact the Financial Ombudsman Service:

Financial Ombudsman Service
Exchange Tower,
Harbour Exchange Square,
London, E14 9SR
Phone: 0800 023 4567
Email: complaint.info@financial-ombudsman.org.uk

ROCK Insurance Group adheres to the Alternative Dispute Resolution Regulations 2015 EU Directive. You can access the Online Dispute Resolution Portal here: https://webgate.ec.europa.eu/odr/main/?event=main.about.show

FINANCIAL SERVICES COMPENSATION SCHEME

ROCK is covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we are unable to meet our obligations. Further information can be obtained from the Financial Services Compensation Scheme by visiting their website at www.fscs.org.uk.

Whilst ROCK monitors the financial strength of the insurers with whom we place business, it should be noted that the claims-paying ability of even the strongest insurers could be affected by adverse business conditions. We cannot, therefore, guarantee the solvency of any insurer or underwriter. You may not be able to obtain a refund of premium in these circumstances.

DATA PROTECTION

We will collect certain information about you in the course of considering your application and conducting our relationship with you. This information will be processed for the purposes of underwriting your insurance cover, managing any insurance issued, administering claims and fraud prevention. We may pass your information to a qualified medical practitioner, other insurers, reinsurers, other parties who provide services under the policy and loss adjusters for these purposes. This may involve the transfer of your information to countries which do not have data protection laws.

Some of the information may be classified as 'sensitive' - that is information about physical and mental health and employment records. Data protection laws impose specific conditions in relation to sensitive information including, in some circumstances, the need to obtain your explicit consent before the information may be processed. By finalising your insurance application, you consent to the processing and transfer of information described in this notice. Without this consent we would not be able to consider your application.

We agree to adhere to the provisions of the Data Protection Act 1998 and all successor legislation during the term of the policy.

MEANING OF WORDS

The following words and expressions used in this policy shall mean the following wherever they appear in bold within this document:

Bodily injury: Accidental bodily injury caused solely and directly by external, violent and visible means.

Certificate of insurance: The document showing details of the cover purchased and naming all insured persons.

Close relative: Mother, father, sister, brother, wife, husband, partner, son, daughter (including fostered/adopted son or daughter), grandparent, grandchild, parent-in-law, son-in-law, daughter-in-law, sister-in-law, brother-in-law, step-parent, step-child, step-brother, step-sister, or legal guardian.

Curtail/Curtailment: Return early to your home after the commencement of the outward journey.

Excess: The first amount of a claim that you must pay as detailed in the travel insurance summary of cover.

Holiday services: Pre-booked, pre-paid elements of the trip including car hire, airport parking and excursion tickets.

Home: Your permanent residence in your home country.

Home country: The country where you are ordinarily permanently resident, pay tax or are registered with a medical practitioner.

Insolvency or Financial Failure: An event causing the cancellation of all or part of your trip happening after you purchased this insurance which results in the scheduled airline no longer carrying on its business or service as a result of financial failure within the meaning of the Insolvency Act 1986 or any statutory modification or re-enactment thereof or a similar legal action in consequence of debt under the jurisdiction of a competent court in another country.

Insured person: Any person named on the certificate of insurance for whom the appropriate premium has been paid.

Loss of limb: Total loss of use by physical severance at or above the wrist or ankle.

Loss of sight: Total and permanent loss of sight without expectation of improvement in both eyes when your name is added to the Register of Blind Persons on the authority of a qualified ophthalmic specialist; or in one eye when the degree of sight remaining after correction is 3/60 or less on the Snellen Scale.

Manual work: Physical labour involving the use of tools or machinery or working at heights of over two metres (nursing and bar-work are not considered to be manual work).

Medical condition: Any medical or psychological disease, sickness, condition, illness or injury.

Medical practitioner: A doctor or specialist who is legally qualified, licensed and registered to practice medicine under the laws of the country in which they practice, excluding you, your travel companion, a member of your close relative, or your employee.

Money: Cash, postal and money orders, travellers' cheques held by you for social, domestic and pleasure purposes.

Outward journey: The initial journey in conjunction with your trip from your home in your home country.

Permanent total disablement: A disablement which prevents you from carrying out ANY occupation for a period of 12 months after an accident sustained during your trip and which is, at the end of that period, beyond reasonable hope of improvement.

Period of insurance: The period of insurance for all sections except cancellation commences when you leave your home in your home country to start your trip and ends when you have returned to your home in your home country. Cancellation cover for a Single Trip policy starts when you purchase this insurance or when you book your trip, whichever is the later. Cancellation cover for Annual Multi-trip policy will not commence until the start date shown on your certificate of insurance even if the premium has been paid earlier.

Personal possessions: Suitcases (or other luggage carriers) and their contents taken on your trip together with articles worn or carried by you for your individual use during your trip.

Pre-existing medical condition: Any medical condition where you have been prescribed medication, including repeat prescriptions, or received treatment or attended a GP or a specialist as an outpatient or inpatient in the last 2 years or for which you are currently on a waiting list for treatment or investigation;

Any illness for which you have received a terminal prognosis or any heart, heart-related or circulatory condition; or any respiratory condition; any stress, anxiety, depression or any other psychological condition; any cancerous condition; or any cerebral condition;

Any undiagnosed symptoms that may require treatment in the future (i.e. symptoms for which you are awaiting investigations/consultations, or awaiting results of investigations, or where the underlying cause of the symptoms has not been established).

Public transport: Airline, train, bus, coach, or ferry services, operating to a published timetable on which you are a fare-paying passenger or a tour operator's own transport service, or taxi, to join your booked travel itinerary.

Strike or industrial action: Organised action taken by a group of workers which prevents the supply of goods and/or services on which your trip depends.

Terrorism: An act including, but not limited to, the use or threat of force or violence of any person or group, committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.

Trip: A journey starting and ending in your home country within the geographical area specified on your certificate of insurance during the period of insurance.

United Kingdom: England, Scotland, Wales, Northern Ireland, Channel Islands and the Isle of Man except under Geographical Limits where Channel Islands and the Isle of Man are considered to be part of Europe.

Unattended: When you cannot see and are not close enough to your property to prevent unauthorised interference or theft of your property unless left in a safety-deposit facility.

Valuables: Jewellery, articles made of gold silver or other precious metals, precious or semi-precious stones, watches, binoculars, telescopes, photographic equipment, electronic audio or video equipment and any computer equipment (including software), furs, or leather clothing (apart from footwear).

You/Your: Each insured person named in the certificate of insurance.

We/Us/Our: The relevant insurer under each section of this policy.

YOUR COVER

There are conditions and exclusions which apply to individual sections of the policy and general conditions, exclusions and warranties which apply to the whole policy. Please refer to the relevant section and read in conjunction with the General Conditions and General Exclusions.

CANCELLATION

What you are covered for

We will pay you up to the amount shown in the summary of cover for the unused portion of your travel and accommodation costs that you have paid or contracted to pay and you suffer a financial loss because you cannot get a full refund if you cancel before the start of your trip during the period of insurance because of the following:

  1. the death, bodily injury, illness or being subject to quarantine of you, a close relative or any person you have arranged to travel or stay with during your trip; or
  2. you being called for jury service or as a witness in a Court of Law (but not as an expert witness or where your employment would normally require you to attend court); or
  3. your redundancy, provided that you were working at your current place of employment for a minimum of 2 years and that you were not aware of any impending redundancy at the time this policy was issued or the trip was booked; or
  4. your home being made uninhabitable due to accidental damage, burglary, flooding or fire;
  5. the police requesting your presence following burglary or attempted burglary at your home; or
  6. your passport, or the passport of any person you were intending to travel with, being stolen during the 7 days before the start date of your booked trip; or
  7. you, or any person you intended to travel with, who is a member of the Armed Forces, emergency services, the nursing profession or a government employee being ordered to return to duty.

What you are NOT covered for

  1. the excess shown in the summary of cover;
  2. claims where you have failed to obtain a medical certificate from a medical practitioner, confirming that cancellation of the trip is necessary;
  3. normal pregnancy, without any accompanying bodily injury, illness or complication;
  4. claims arising directly or indirectly from any pre-existing medical conditions;
  5. any claims arising directly or indirectly from any medical condition affecting a non-travelling relative if;
    • a terminal diagnosis had been received; or
    • if they were on a waiting-list for, or had knowledge of the need for, surgery, inpatient treatment or investigation at any hospital or; or if during the 90 days immediately prior to the start of the period of insurance they had:
    • required surgery, inpatient treatment or hospital consultations; or
    • required any form of treatment or prescribed medication.
  6. any extra charges from the company you booked with because of your failure to notify them immediately it was found necessary to cancel;
  7. claims arising from prohibitive regulations by the government of any country;
  8. theft of a passport which has not been reported immediately to the relevant authority;
  9. travel tickets paid for using any airline mileage reward scheme or other reward points scheme;
  10. accommodation costs paid for using any timeshare, holiday property bond or other reward points scheme;
  11. any costs incurred by you which are recoverable from a tour operator, public transport operator, accommodation provider, holiday services provider or any other source, or for which you receive or are expected to receive compensation or other assistance;
  12. any circumstance that could reasonably be anticipated at the time you booked your trip;
  13. disinclination to travel or continue travelling, unless your change of travel plans is caused by one of the circumstances listed under 'What you are covered for';
  14. your being self-employed or accepting voluntary redundancy;
  15. any claim resulting from your failure to obtain a valid passport and any required visa in time for the booked trip;
  16. anything mentioned in the General Exclusions.

GENERAL CONDITIONS APPLICABLE TO ALL SECTIONS

  1. All receipts must be retained and produced in the event of a claim. Your claim may be rejected if receipts are not produced.
  2. If we require any medical certificates, information, evidence and receipts, these must be obtained by you at your expense.
  3. In the event of a claim, if we require a medical examination you must agree to this and in the event of death we are entitled to a post mortem examination, both at our expense.
  4. You must take all reasonable steps to recover any lost or stolen article.
  5. You must take all reasonable steps to avoid or minimise any loss or damage likely to give rise to a claim under this policy. You must act as if you are not insured.
  6. We will make every effort to provide all services stated in this document. Remote geographical locations or unforseeable adverse local conditions may affect normal service.
  7. We may at any time pay our full liability under this policy after which we will have no further liability.
  8. If any claim is found to be fraudulent in any way this policy will not apply and all claims related or subsequent to the fraud will not be paid.

GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS

We will not pay anything directly or indirectly caused by:

  1. your suicide, deliberately injuring yourself, being under the influence of drugs (unless prescribed by a doctor), alcohol, alcoholism or other alcohol related illnesses, drug addiction, solvent abuse, self-exposure to needless danger (unless you are trying to save someone's life);
  2. you climbing on top of, or jumping from a vehicle or jumping from a building or balcony, or sitting, planking, balconing, owling or lying on any external part of any building, or climbing or moving from any external part of any building to another (apart from stairs, ramps or walkways) and falling regardless of the height, unless your life is in danger or you are attempting to save human life;
  3. you fighting, except in self-defence;
  4. air travel (other than as a fare-paying passenger on a regular scheduled airline or licenced charter aircraft);
  5. bankruptcy/liquidation of any tour operator, travel agent or transportation company;
  6. consequential loss of any kind unless specifically provided for within this policy (for example, but not limited to, loss of earnings due to being unable to return to work following injury or illness or cost of replacement lock if keys are lost);
  7. loss or damage to any property and expense or legal liability directly or indirectly caused by:
    1. ionising radiations or radioactive contamination from any nuclear fuel or nuclear waste which results in burning of nuclear fuel or;
    2. the radioactive, toxic, explosive or other dangerous properties of nuclear machinery or any part of it;
  8. loss or damage arising from war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion or uprising, blockade, military or usurped power;
  9. any act of terrorism (this exclusion does not apply to Emergency Medical and Repatriation Expenses or Personal Accident claims);
  10. you riding on a motorcycle with an engine capacity in excess of 250cc or of any engine size if you fail to wear a crash helmet or have not paid the appropriate additional premium;
  11. you riding on a quad bike;
  12. you driving a motor vehicle or riding a motorcycle without an appropriate licence or when not insured under a motor insurance policy;
  13. any sports or activities not listed under the sports and activities tables or which you have not paid the appropriate premium for;
  14. winter sports of any kind (unless the appropriate premium has been paid);
  15. any payment which you would normally have made during your travels, if nothing had gone wrong (for example, meals);
  16. your travel to a country or specific area or event to which the Travel Advice Unit of the Foreign and Commonwealth Office or the World Health Organisation has advised against all, or all but essential travel;
  17. claims arising from your wilful, malicious or unlawful acts;
  18. a pre-existing medical condition;
  19. you driving, or in charge of a vehicle where your blood/urine alcohol level is above the legal limit stated in the laws of the country where the incident occurs;
  20. your failure to meet the eligibility criteria under this policy.
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