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
IMPORTANT INFORMATION AND CONDITIONS APPLYING TO ALL SECTIONS
1. LIMIT OF COVER
Each section of the personal insurance schedule shows the most You
can claim, but other limits may apply. For example, under Section E
(Personal Possessions),
there is a limit for any single item and a total limit for all
Valuables. We will work out how much We will pay You for baggage
claims based on the value of the items at the time of the loss, not
the cost of replacing them.
Please note that if the schedule shows NIL cover then that section of
the policy
is not applicable to the insurance cover You have purchased.
2. LOOKING AFTER YOUR BELONGINGS
Many claims for loss or theft are caused by people being careless
with their belongings. If You do not take good care of Your
belongings, it can be upsetting and inconvenient for You and We may
not pay Your claim.
3. HAZARDOUS PURSUITS
You are not covered for taking part in any Hazardous Pursuit unless
it is listed below. If You are going to take part in any activity
which may be considered dangerous or Hazardous that is not detailed
below please contact the selling agent who will contact Us to see if
We can provide cover. Please note that under Section H (Personal
Liability) You will not be covered for liability caused directly or
indirectly by Your owning or using any firearms or weapons, animal,
aircraft, motorised vehicle, boat and other watercraft, or any form
of motorised leisure equipment, including jet skis and snowmobiles.
The following sporting activities when participated in for
recreational purposes incidental to a trip and not in organized
competitions or in any professional capacity are not considered to be
Hazardous Pursuits and are not subject to the special provisions of
the endorsement below:
Roller Skating, Basket Ball, Bowls, Snorkelling, Cricket, Cycling,
Squash, Tennis, Volley Ball, Fishing, Water Polo, Golf, Racket Ball,
Rambling, Badminton, Rounders, Football. Cover for the following
activities that are considered to be Hazardous Pursuits is included
for recreational purposes only and not for competitions or any
professional activity subject to the following endorsement:
The exclusion of Hazardous Pursuits in the General Exclusions is
deleted only with
respect to cover under Section B Medical and Other Expenses and
under Section A Curtailment cover (but not cancellation) for
participation in the following Hazardous Pursuits on a non-
professional (amateur) and recreational basis provided that You
ensure the activity is adequately supervised and that appropriate
safety equipment (such as protective head wear, life jackets etc.)
are worn at all times and You do not participate in such Hazardous
Pursuits for more than 90 days in any one Period of Insurance. The
acceptable Hazardous Pursuits list is:
Banana Boating, Bungee Jumping, Archery, Rowing (except racing),
Safari in motor vehicles (but not on foot) organized by a tour
operator, Blade Skating, Sailing within sight of land, Canoeing
(inland waters only), Sea Kayaking in sight of land, White water
rafting (Up to grade 3 only), SCUBA Diving up to 9 metres, Clay
Pigeon Shooting, BMX, Mountain Biking up to grade 2 slopes,
Curling, Surfing, Kite Surfing, Roller Blading, Deep Sea Fishing,
Trekking/Hiking below 5,000 metres, Fell Running/Walking (No
Climbing), War Games/Paintballing, Hot Air Ballooning as a fare
paying passenger on a one day excursion, Paragliding over water but
not land, Water Skiing, Wake Boarding, Hydrozorbing, Windsurfing,
Gorilla Trekking (Tour Operator organized only), Jet Skiing/biking
under the supervision of a licensed hirer, Lacrosse, Marathon
Running, Motor Cycling up to 125cc provided a safety helmet is worn,
Orienteering, Parascending over water not on land, Pony Trekking and
Horse Riding provided a safety helmet is worn, Abseiling under
supervision of a qualified instructor.
Cover for SCUBA Diving is
provided at standard premiums up to a depth of 9 meters and can be
extended up to a maximum depth of 30 meters when You have paid the
appropriate additional premium. At any depth the following
endorsement applies:
SCUBA or skin diving to a maximum depth of 30 meters will be covered
provided that You hold a British Sub Aqua Club (B.S.A.C.) or
equivalent certificate of proficiency for the dive being undertaken
or You are under the direct supervision of a qualified instructor;
are diving with proper equipment and not contrary to B.S.A.C. codes
of good practice; are not solo/ cave/wreck diving, are not diving for
hire or reward; are not diving within 24 hours of flying or flying
within 24 hours of diving and are not suffering from any medical
condition likely to impair Your
fitness to dive.
The following activities are examples of what are
known as ‘Hazardous Pursuits’ and are not covered by this insurance
unless an additional
premium has been paid and the validation certificate shows the cover
has been
provided. Winter Sports (including skiing, snowboarding, tobogganing
and sledging), sailing outside coastal waters (more than 12 miles
from land), hunting animals, motor competitions or practice,
professional sports, any sporting competitions, cave diving, Manual
Work, overland expeditions, paragliding (over land), polo, potholing,
safaris (unless part of a pre-paid organized tour using professional
guides and motor vehicles), weight lifting, flying (unless You are a
farepaying passenger on a regular scheduled airline or licensed
charter aircraft).of a pre-paid organised tour using professional
guides and motor vehicles), weight lifting, flying (unless You are a
farepaying passenger on a regular scheduled airline or licensed
charter aircraft).
4. DATE RECOGNITION FAILURE
This policy contains exclusions for losses arising from equipment
failing to recognize the correct calendar date. Please read the
general conditions for further details.
5. EXCESSES
We will take an Excess off each claim You make under certain sections
of this insurance. The amount You will have to pay towards a claim is
shown in the schedule. The Excess is applied on a per person per
section basis. If We agree to a medical expenses claim (section B)
which has been reduced by Your using an EHIC form or private health
insurance, the Excess will not apply.
6. MAKING A CLAIM
To help Us deal with Your claim quickly and efficiently, please read
the claims procedure below (see WHAT TO DO IF You WISH TO MAKE A
CLAIM). This explains what documents You will need to support a claim
and when You will need this kind of proof. You must collect some of
the proof You need, for example a police report, while You are on
Your trip. Please contact the Claims Company shown on the helpful
telephone numbers.
7. WHAT TO DO IN A MEDICAL EMERGENCY
In a medical emergency, contact the Assistance Company shown on the
helpful telephone numbers. Please read the policy for details. If You
are admitted to hospital or need to Curtail Your trip You must
contact the Assistance Company for authorization before incurring any
expenses or We may not pay Your claim. Simple outpatient treatment
costing less than £250 should be paid locally and claimed for on Your
return to the United Kingdom.
IMPORTANT please quote the scheme name and number together with Your
Validation Certificate Number. The Assistance Company provides
immediate help in the event of Your illness or injury arising outside
the United Kingdom - they
provide a 24 hour multi-lingual emergency service 365 days a year and
can be contacted by telephone or fax. Should a serious medical
problem arise You must contact the Assistance Company within 24 hours.
You are responsible in advising Your attending doctor to seek prior
approval for any treatment except in extreme circumstances where a
request for prior approval would delay life saving treatment. Failure
to contact the Assistance Company may limit the benefits payable, or
in certain circumstances, cover will not be provided. When You call
upon the services of the Assistance Company it is a condition of the
service that they shall solely be responsible for all decisions on
the most suitable and reasonable solution to any medical problem.
The service includes, where necessary:
1. Multi-lingual assistance with hospitals and doctors
2. Repatriation arrangements and necessary escorts by a medical
attendant
3. Travel arrangements for other members of Your party or next-of-kin
4. On arrival in the United Kingdom, an ambulance service to hospital
or home
Please note: We are not responsible for the availability, quality or
results of any
medical treatment received by You whilst travelling. Please refer to
Exception 2 of Section B.
8. INSURERS
The Insurers are IGI Insurance Company Limited, Market Square House,
St James’s Street, Nottingham, NG1 6FG. Reg. No. 1226976.
9.COOLING OFF PERIOD
This Insurance is designed to cover most circumstances but You should
be aware that not all eventualities are insured.
Please read this document carefully. If You find the Insurance does
not meet Your requirements please return this policy and proof of
premium to the selling agent within 14 days of receipt but before the
trip departure date. Provided no claim has been made Your premium
will be refunded in full.
10. ABOUT THE COVER AND CONDITIONS
This is Your contract of insurance. It contains certain conditions
in each section and General Exclusions to all sections. You must meet
the conditions or We will not accept Your claim. Please read all of
this policy carefully, especially the Important Declaration. When You
book Your trip, You must declare any information We ask for in the
declaration. If You do not contact the selling agent or Us within 14
days of the date You receive this insurance policy We will assume
that You accept the terms and conditions of this insurance policy and
can make the declaration set out.
This policy is only valid if You also have a Schedule of Cover and
Validation Certificate showing all names of persons insured, their
ages, the dates of cover and the correct premium has been paid. The
policy describes the cover provided for You and the conditions
which Your cover depends on. You must keep the policy, Schedule of
Cover and Validation Certificate and send them to Us if You make a
claim. In return for the correct premium, Insurers will pay You or
Your personal representative if You make a valid claim. You must keep
to the terms, conditions and declaration of this insurance.
Single Trip Insurance this insurance is designed to cover round
trips departing and finishing at Your usual Home or business place in
the United Kingdom.
One-way trips of up to 17 days are restricted to the cover and
conditions that
would have applied as if You had arranged to return to Your usual
Home or place of business in the United Kingdom. Cover is not
operative in the country of Your final destination.
Annual Multi Trip Insurance covers You for any number of trips taking
place during the dates of cover shown on the Validation Certificate.
These trips must involve an Outward and Return Journey being
completed during the maximum permitted trip duration of 31 days
unless otherwise stated on the Validation Certificate. If the
intended trip exceeds the maximum permitted trip duration it will not
be covered in whole or in part.
Extension of Cover If You request any extension of the Period of
Insurance after the commencement of travel You must advise Us of any
circumstances which at the time of such request could reasonably be
expected to cause a claim under this Policy.
11. RECIPROCAL HEALTH AGREEMENT – EU COUNTRIES
If You intend travelling to European Economic Area (EEA) country or
Switzerland, You should either obtain from Your local Post Office
European Health Insurance Card (EHIC) application pack or apply
online at www.dh.gov.uk/travellers which when completed will entitle
You to certain free health arrangements in EEA countries and
Switzerland. You should take the EHIC with You and make sure that
wherever possible any medical treatment is provided at hospitals or
by doctors working within the terms of the Reciprocal Healthcare
Agreement unless the Medical Assistance Company agrees otherwise. If
You are admitted to a private clinic You will be transferred to a
public hospital as soon as the transfer can be arranged safely.
Private medical treatment costing in excess of £250 not specifically
authorised by Our 24 hour Medical Assistance Company will not be
insured by this policy.
12. CLAIMS YOUR DUTIES
(a) You must advise Us of any occurrence that may give rise to a
claim in writing as soon as is reasonably possible after the date of
such occurrence and shall supply to Us all such accounts and other
documents as We may reasonably require. Any expenses incurred because
of an unreasonable delay in notifying Us will not be paid.
(b) You must give Us notice in writing immediately You or Your legal
representatives have knowledge of any impending prosecution, inquest
or fatal injury inquiry in connection with any occurrence of which
there may be liability under Section H of this Policy
(c) You must inform the Police of all loss or theft of property
within 24 hours of
discovery of such loss or theft and obtain a copy of the Police
report in support of any claim.
(d) If Personal Possessions or Golfing or Ski Equipment are lost or
damaged whilst in the custody of a Carrier (i.e. Airline, Railway,
Shipping Company, Bus Company. etc), You must notify such Carrier
immediately and obtain a copy of their report.
(e) You must at all times act in a reasonable manner to prevent or
minimize a claim.
13. CLAIMS OUR RIGHTS
(a) No admission, offer, promise, payment or indemnity will be made
or given by You or on Your behalf without Our written consent
(b) We will be entitled to take over and conduct in Your name the
defence or
settlement of any claim or to prosecute in Your name to Our own
benefit in respect of any claim for indemnity or damages or
otherwise, and will have full discretion in the conduct of any
proceedings or in the settlement of any claim and You must give all
such information and assistance as We may require
(c) In case of illness or injury We may approach any doctor who may
have treated You during the period of three years prior to the claim,
and We may at Our own expense and upon reasonable notice to You or
Your legal personal representative, arrange for You to be medically
examined as often as required, or in the event of death have a post
mortem examination of Your body
(d) You must supply at Your own expense a Doctor’s certificate in
the form required by Us in support of any medical related claim.
14. FRAUD
If any person makes any misrepresentation or concealment in obtaining
this Policy or in support of any claim the insurance by this Policy
will be void.
15. OTHER INSURANCES
We will not be liable in respect of any claim where the event leading
to the claim is insured by any other existing Policy or Policies,
except in respect of any amount beyond that which is payable under
such other Policy or Policies.
16. PRECEDENTS TO LIABILITY
The due observance and fulfilment of the terms, provisions and
conditions and endorsements of this policy in so far as they relate
to anything to be done or complied with by You will be a condition
precedent to Our liability to make any
payment.
17. JURISDICTION
Unless specifically agreed to the contrary this insurance shall be
subject to English
Law.
WHAT TO DO IF YOU WISH TO MAKE A CLAIM
You will find on the helpful telephone numbers details of the
telephone number to contact in event of a claim.
PLEASE NOTE FAILURE TO OBSERVE THE FOREGOING REQUIREMENTS WILL
INVALIDATE ANY CLAIM.
Please keep this Travel Insurance Policy in a safe place and carry it
with You when You go on Your Trip
CANCELLATION OR CURTAILMENT
If You cancel Your trip for medical reasons obtain a claim form. Your
own medical practitioner should complete the Certificate on the
reverse of the claim form. If the trip is Curtailed for medical
reasons obtain a medical certificate from the treating Medical
Practitioner in the locality where the incident occurred You must
- Keep receipts or account for all expenses incurred
- In the event of Cancellation immediately notify the Tour Operator or
the Travel Agency where Your trip was booked and obtain a
cancellation invoice
- Telephone the claims number shown on the Schedule of Cover as soon as
You know that there is a possibility of Your journey not taking
place.
- Obtain authorisation from the 24 Hour Medical Emergency Service or
from Us before incurring any expenses in Curtailing Your holiday.
MEDICAL AND OTHER EXPENSES
PLEASE SEE WHAT TO DO IN THE EVENT OF A SERIOUS MEDICAL EMERGENCY FOR
CASES INVOLVING MORE THAN SIMPLE OUTPATIENT TREATMENT.
- You must keep receipts or accounts for all expenses incurred.
- You should pay the hospital/clinic/doctor for routine or simple out
patient treatment and claim back on Your return to the
United Kingdom. If You think the level of treatment is excessive or
costs are likely to exceed £250 please consult the 24 Hour Medical
Emergency Service for guidance.
PERSONAL ACCIDENT
- Obtain a medical certificate from the treating Medical Practitioner.
- In the event of a death We will require a Death Certificate.
DELAY
- Obtain a letter from the Airline, Railway Company or Shipping Line,
or their
handling agent, confirming the reason for the delay and detailing
the scheduled and actual departure times.
PERSONAL POSSESSIONS & SPORTS EQUIPMENT
- For all loss or damage in transit claims, including delayed
Personal Possessions report to the Airline, Railway or Shipping
Line, or their handling agents and obtain a written report from them
before leaving the baggage reclaim area.
For all damage claims obtain an estimate for repairs.
- In all circumstances, You must retain receipts or vouchers for
items lost or
damaged as these will help You to substantiate Your claim.
- In the case of lost or misplaced Personal Possessions on the
Outward Journey, You must produce receipts for the purchase of
essential replacement items.
- You must report all theft or losses to the Police within 24 hours
of discovery
and obtain a written Police report. Also report to Your Courier or
Hotel/Apartment Manager whenever it is appropriate.
MONEY, PASSPORTS, TICKETS or DOCUMENTS
- You must report all theft or losses to the Police within 24 hours
of discovery and obtain a written Police report. Also report to Your
Courier or Hotel Apartment Manager whenever it is appropriate.
- You must enclose confirmation from Your bank or bureau de change of
the issue of foreign currency. In the case of Sterling You must
produce documentary evidence.
- For a lost or destroyed Passport You need to supply Us with a
letter from the Consulate where the loss was reported and retain all
receipts that relate to the necessary costs in replacing the Passport.
PERSONAL LIABILITY
- You must supply full details of the circumstances giving rise to
the claim plus any supporting evidence.
- You must give Us notice in writing immediately You or Your legal
representatives have knowledge of any impending prosecution, inquest
or fatal injury inquiry in connection with any occurrence for which
there may be liability under Section H of this Policy.
LEGAL EXPENSES
- You must notify Us within 180 days of the event giving rise to Your
claim in respect of Legal Expenses.
ALL OTHER SECTIONS
You must notify Us within 30 days of the event giving rise to Your
claim with full
documentary support.
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