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
TRAVEL INSURANCE POLICY
IMPORTANT DECLARATION PRE-EXISTING MEDICAL CONDITIONS
This insurance policy contains health restrictions that apply to the
cover provided under the Cancellation, Curtailment and Medical
sections of this insurance (see the exclusions applying to Sections
A, B & C). This policy will not pay for any claims arising from pre-
existing medical conditions or if You (meaning anybody insured by
this policy) are awaiting or undergoing treatment or You are
undergoing or awaiting any medical investigations or consultation
with a specialist or awaiting diagnosis or tests results or treatment.
With respect to Cancellation cover this exclusion applies to Your
state of health at the time You applied for this insurance and the
policy was issued. With respect to Curtailment cover and Medical
cover We will only pay for claims that arise from a new injury or
illness that first happens after You have started the insured trip.
If You do suffer a new injury or illness after taking out this
insurance but before starting Your trip (this is known as a change in
circumstance) You will only be covered by the Cancellation section of
this policy and will not be able to have the condition covered for
Medical or Curtailment expenses as this will be deemed to be an
excluded pre-existing condition.
We may in the light of such changed circumstances not be able to
continue cover under sections A and B of this insurance. If this is
not acceptable to You, We will cover You for any loss of deposit or
cancellation charges You have necessarily incurred up to the date of
the change of circumstances that are normally covered under Section A
of this insurance. In these circumstances no Policy Excess will be
applied.
You must be able to agree to the following declaration that applies
to You and to anyone Your travel arrangements may depend on such as a
Close Relative or Business Associate or travelling companion. If You
have an annual policy this declaration applies every time You book a
trip.
For You or anyone travelling with You, as far as You know the
following apply.
(a) Nobody is waiting for an operation, hospital consultation or any
other hospital treatment or investigations including the results of a
routine test.
(b) Nobody has been seen by a specialist or been admitted to a
hospital overnight in the last twelve months.
(c) Nobody has any breathing or heart problem (including angina) or
high blood pressure which has needed treatment (including regular
medication) in the last two years.
(d) Nobody has received treatment, including regular medication, in
the last 12 months for any of the following:
- disorder of the blood such as clotting, bleeding or anaemia
- any form of stroke
- Any form of cancer, leukaemia or tumour
- a transplant or dialysis treatment
- any psychiatric illness, stress, depression, anxiety or dementia
- any other pre-existing and on-going medical condition that has
required regular medication
(e) Nobody has been diagnosed by a registered doctor as having a
terminal condition
(f) Nobody has been diagnosed as being pregnant with an expected
delivery date within 16 weeks of the trip return date
(g) I do not know of any reason why the trip is likely to be
cancelled or cut short or of any facts that may cause a claim on this
insurance
CHANGE IN YOUR CIRCUMSTANCES
If after taking out this Insurance You become aware of any
circumstances that may give rise to a claim such as changes in Your
health or that of a person on whom this insurance may depend (e.g. a
Close Relative) You must contact Us and tell Us about the changes as
soon as reasonably possible and prior to any trip.
We may in the light of such changed circumstances not be able to
continue cover under sections A and B of this insurance. If this is
not acceptable to You, We will cover You for any loss of deposit or
cancellation charges You have necessarily incurred up to the date of
the change of circumstances that are normally covered under Section A
of this insurance. In these circumstances no Policy Excess will be
applied.
Please note that You must contact us promptly regarding the change
and are responsible for all costs incurred in obtaining any medical
reports required by Us. If You do not contact us within 7 days of the
change of circumstance, You will be responsible for any increased
costs incurred as a result of the delay in cancelling Your trip and
We will only pay the costs that would have applied had You cancelled
Your trip within 7 days of the date of the change of circumstances
giving rise to the claim.
For advice and assistance, please contact the Claims Line.
The following words or expressions carry the meaning shown below
whenever they appear in bold print within the wording of the Policy.
There are also more specific definitions which apply only to the
Legal Expenses section of this Policy:-
We / Our / Us – IGI Insurance Co. Ltd.
You / Your - Any person named on the Validation Certificate who is
eligible to
be Insured and for whom premium has been paid.
Period of Insurance - The validation certificate will show the issue
date and start date and duration (or end date) of your policy being
the period of cover You are insured for. The time that cover for
particular sections starts and ends is given in more detail below :-
Cancellation cover starts when You book Your trip or when the policy
was issued
(whichever is the later) and finishes when You start Your Outward
Journey. Cover
under all other sections begins when You start Your Outward Journey
and ends upon Your return home from the trip. Your Outward and Return
Journey must take place during the period of cover shown on the
Validation Certificate and for which the correct premium has been
paid. If You have chosen an Annual Multi Trip Insurance the Outward
and Return Journey must take place during the start and end date
shown on the Validation Certificate. The total duration of any one
trip is limited to a maximum of 31 days or as otherwise shown on the
Validation Certificate and any trip exceeding this duration will not
be covered in whole or in part. Trips within the British Isles must
involve at least 2 nights pre-booked accommodation away from Your
normal place of residence in order to be insured by this policy.
Curtail / Curtailment - Abandonment of the planned trip by return to
the United Kingdom after commencement of the Outward Journey. The
amount payable will be the unused proportion of Your irrecoverable
pre-paid charges calculated from the date of Your return to the
United Kingdom. All Curtailment claims will need authorisation from
Us in advance.
Close Relative - Mother, father, wife, husband, son, daughter,
brother, sister, grandmother, grandfather, grandchild, parent-in-law
or son or daughter-in-law or fiancé(e).
Family - A single parent or two parents travelling together with
their child or children (under 18 years) for whom they are the legal
guardians who all reside together.
Business Associate - Your associate in the same employment as You
whose absence from work necessitates You having to cancel Your trip
as certified by Your Senior Director or partner.
Business Equipment – Office equipment including electronic equipment
belonging to a company carried by You for business purposes but
excluding money, bankers drafts, business files and merchandise.
Excess - The amount You will have to pay towards the cost of each
claim under the Policy after the application of the Policy limits.
Unattended - means left away from Your person where You are unable to
clearly
see and get hold of Your Personal Possessions or Money or Passports,
Tickets and Documents.
Personal Possessions - Baggage, clothing, personal effects including
Valuables and gifts purchased outside the United Kingdom, subject to
the limits and Exclusions detailed under Section E.
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 including tapes, compact discs, cartridges, discs, MP3 or
mini-disc players and any computer equipment including software,
musical instruments, furs, or leather clothing, but excluding footwear.
Sports Equipment - Those articles which are usually worn, carried or
held in the course of participating in a recognised sport.
Money - cash taken for private purposes comprising cash only.
Passports, Tickets And Documents - Passports, travel tickets, green
cards and driving licences.
Advanced Booking - Any booking made at least 24 hours prior to the
scheduled
departure time shown on Your ticket. Outward Journey - The initial
journey by motor transport, train, aircraft or watercraft undertaken
in conjunction with the trip in respect of the outbound journey from
Your home address in the United Kingdom.
Return Journey - The initial journey by motor transport, train,
aircraft or watercraft
undertaken in conjunction with the trip in respect of the Inbound
Journey to Your
home address or a hospital or nursing home in the United Kingdom.
Accommodation - The lodging room of no greater standard than that
provided as part of Your prepaid charges in the vicinity of the
hospital where the Insured Person is confined.
Hazardous Pursuits - Any pursuit or activity where it is recognised
there is an increased risk of injury or accident or can be reasonably
expected to aggravate any existing infirmity (please see part 3 of
the Important Information detailed below for examples).
Manual Work - Physical labour involving the use of tools or machinery
or exposure
to risk that could give rise to Your bodily injury or illness.
Necessary Medical Expenses – Any medical treatment that is
appropriate and consistent with the diagnosis made in accordance with
accepted community standards of medical practice and as agreed by Our
medical advisors and is not
experimental or investigative and cannot be reasonably delayed until
You are returned to the United Kingdom.
Geographical Area - The area or country shown on Your Validation
Certificate and for which the appropriate premium has been paid and
will involve Your return to the United Kingdom within the Period of
Insurance.
Strike Or Industrial Action – Organized action taken by a group of
workers which
prevents the supply of goods and services on which Your trip depends.
Hijack - The unlawful seizure or wrongful exercise of control of the
aircraft or ship [or the crew thereof] in which You are travelling as
a fare-paying passenger.
Mugging - The violent and threatening attack
necessitating Your medical treatment.
Terrorism An act, including but not limited to the use of force or violence and/
or the threat
thereof, of any person or group(s) of persons, whether acting alone
or on behalf of or in connection with any organisation(s) or
government(s), 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.
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