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Bare Bones Insurance - Policy Wording

Bare Bones Insurance, Netcoverdirect Ltd
PO Box 6603, Poole, BH15 9BS, United Kingdom
www.barebonesinsurance.co.uk

Bare Bones Insurance Policy Wording

Please read the full policy wording. The full policy wording is below but you may prefer to view / save as a PDF file

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If you have any questions or queries email Netcoverdirect on info@netcoverdirect.com

About your Insurance...

SCHEME REF: IGI/2007/0027 BARE BONES INSURANCE

Dear Traveller
This is to certify that IGI Insurance Company Ltd will insure in accordance with the terms and conditions contained herein or endorsed hereon. The Policy Wording sets out in full details of the cover provided and is only valid if attached to a Schedule of Cover (also referred to as the schedule herein) showing the sums insured and limits of the insurance provided and a Validation Certificate detailing the premium, geographical area, period of cover and persons insured.

IGI Insurance Company Ltd is authorised and regulated by the Financial Services Authority.

Please read this policy carefully and remember this travel insurance is designed to cover most events which may happen during Your trip, but We cannot cover all expenses and possibilities. You will find full details of the cover and the conditions and exclusions in the policy.

If You have any queries, or if You require additional cover please contact the agent who sold this policy to You. If You need to make a claim please call the relevant numbers shown on the Schedule of Cover.

IMPORTANT NOTE: Medical Treatment and Medical Emergencies Overseas

If You require medical attention in a country with a reciprocal health care agreement with the UK such as the countries of the European Union, Switzerland, Australia and New Zealand You must ensure that the medical treatment you obtain is provided wherever possible at hospitals or by doctors working within the terms of the agreement.

This insurance does not cover private in-patient health care treatment in countries that operate reciprocal health care agreements unless it is authorised in advance by the 24 Hour Medical Assistance Company detailed on the schedule. If You are admitted to a private clinic or are likely to incur medical expenses in excess of £250 as an out-patient please ensure that immediate contact is made with the Assistance Company who will arrange a transfer to an appropriate medical facility. Please refer to the specific exclusions applying to Section B - Emergency Medical & Other Expenses detailed in the policy herein.

You should before You travel obtain from your local Post Office a European Health Insurance Card (EHIC) application pack or apply online at www.dh.gov.uk/travellers.

Helpful Telephone Numbers

If you need 24 hour emergency medical assistance abroad or need to curtail your trip contact
International Medical Rescue
Tel: +44 (0) 8700 662715
Fax: +44 (0) 8700 662716

If you need a claim form contact:
Claims International Limited
Tel: 08700 662717
Fax: 08700 662718
Website: www.cilint.com

SECTION	COVER	MAXIMUM SUMS INSURED	EXCESS
A	Cancellation or Curtailment	Up to £2,500	£75
B	Emergency Medical Repatriation & Other Expenses	Up to £5,000,000 in total	£75
	Including Dental Treatment Limit	£250	£75
	Hospital Confinement Benefit	U£20 per 24 hrs up to a maximum of £600 in total	Nil
C	Personal Accident Item 1 Item 2 Item 3	£5,000 £15,000 £15,000	Nil
D	Travel Delay	£20 first 12 hours, £20 for each additional 12 hr period up to a maximum of £200 in total	Nil
	Abandonment after 24 hours	Up to £2,500	£75
	Missed Departure	Up to £500	£75
E	Personal Possessions Single Article/Pair/Set Limit Total Valuables Limit Spectacles/Sunglasses Limit Business Equipment (OPTION) Delayed Baggage	Up to £1,500 £150 £150 £75 £2000 £200	£75 (Delayed baggage)Nil
F	Personal Money (Cash limit carried on any one insured person £150)	Up to £300	£75
G	Passport, Ticket & Documents	Up to £200	£75
H	Personal Liability including Rented accommodation limit	£1,000,000 £100,000	£250
I	Legal Expenses	Up to £10,000	£250
WINTER SPORTS EXTENSION (ONLY APPLICABLE IF ADDITIONAL PREMIUM HAS BEEN PAID)
J	Winter Sports Extension
J1	Winter Sports equipment incl. Single Article/Pair/Set Limit	Up to £500 £150	£75
J2	Winter Sports equipment hire incl. Daily Limit	Up to £400 £30	£75
J3	Ski Pack	Up to £300	Nil
J4	Piste Closure incl. Daily Limit	Up to £300 £30	Nil
J5	Avalanche Closure incl. Daily Limit	Up to £500 £30	Nil

PLEASE NOTE REDUCED SUMS INSURED APPLY TO CERTAIN AGE GROUPS (SECTION C – PERSONAL ACCIDENT) POLICY EXCESSES ARE APPLIED ON A PER PERSON PER CLAIM BASIS

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