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
SECTION H – PERSONAL LIABILITY
What is covered:
We will indemnify You against all sums up to the amount stated in the
Schedule which You are legally liable in a personal capacity to pay
in respect of accidents happening during the Period of Insurance
resulting in:
1. Bodily injury, death or disease to any person not being a member
of Your Family or household or in Your service
2. Damage to property not
(i) belonging to You or in the charge of or under the control of You
or a
member of Your Family or household or of a person in Your service
N.B. For accidental damage to rented accommodation We will pay up to
£100,000 for a single incident which You are legally responsible for.
The indemnity provided by this Section extends to cover costs and
expenses recoverable by any claimant, provided they were incurred
before the date (if any) on which We paid or offered to pay either
the full amount of the claim or the total amount recoverable, in
respect of any one occurrence and also to costs and expenses incurred
by You with Our written consent. In the event of Your death Your
personal representative will receive the benefit of the cover granted
by this section.
SPECIFIC EXCLUSIONS APPLYING TO SECTION H
What is not covered:
1. Claims arising:
(i) directly or indirectly out of the ownership, possession or use
(other than as a passenger having no right of control) of aircraft,
model aircraft, caravans, trailers, motorised or electrically
propelled water-borne craft, sailing vessels, wind surfers,
mechanically or electrically propelled vehicles or conveyances or
attached trailers and lifts
(ii) directly or indirectly out of the ownership, possession or use
of animals or firearms
(iii) from any Hazardous Pursuit
(iv) directly or indirectly out of or incidental to Your business or
trade or profession including voluntary work or any form of child
minding
(v) out of actions between persons insured by Us
(vi) directly or indirectly out of Your ownership possession or
control of any
land or buildings
(vii) out of any liability assumed under a contract unless such
liability would
have attached in any event in the absence of such contract
(viii) directly or indirectly due to an infectious disease
2. any Excess shown in the Schedule for 2 above.
SECTION I - LEGAL EXPENSES
Definitions which only apply to this Section Appointed Lawyer - The
lawyer or other suitably qualified person, who has been appointed to
act for You under conditions 2 to 8 of this section.
Legal costs - All reasonable and necessary costs charged by the
appointed
lawyer on a standard basis.
Also the opponent’s costs in civil cases if You have to pay them, or
pay them with Our agreement.
Date of the Incident - The date the incident happened that may lead
to a claim. If there is more than one event arising at the same time
or from the same cause, then the date of the incident is the date of
the first of these events.
Insured incident - An event which causes the death of, or bodily
injury to, You.
What is Covered:
Under this section, We will negotiate for Your legal rights after an
Insured Incident. We will also help in appealing or defending an
appeal. If You use an Appointed Lawyer, We will pay the legal costs
for this. The most We will pay for all
claims for an Insured Incident, resulting from one or more event
arising at the same time or from the same cause is shown in the
Schedule of Maximum Sums Insured. We agree to provide legal expenses
cover, keeping to the terms, conditions and exclusions, as long as:
- any legal proceedings will be dealt with by a court or other body
which We agree to;
- in civil claims, it is always more likely than not that You will
recover damages (or
other legal remedy) or make a successful defence; and
- the Insured Incident happens during the Period of Insurance
As well as the general conditions, the following exclusions and
conditions apply
What is not covered:
1. Any claim reported to Us more than 180 days after the date You
should have
known about the Insured Incident.
2. Any legal costs incurred before We agree to pay them.
3. Any claim relating to a) any illness that develops gradually or is
not caused by a specific or sudden accident; b) You driving a motor
vehicle for which You do not have valid motor insurance; c) an
application for Judicial Review.
4. Defending Your legal rights but defending a counter claim is
covered.
5. Any disagreement with Us that is not in condition 17 of this
section.
6. Any legal action You take which We or the Appointed Lawyer have
not agreed to or where You do anything that hinders Us or the
Appointed Lawyer.
7. any legal action against the travel agent, tour operator, carrier,
any of the Insurers listed on this policy or their agents.
8. Fines, damages or other penalties which You are ordered to pay.
Conditions
You must do the following:
1. Send everything We ask for in writing and give Us full details of
any claim, and
any information We need, as soon as possible.
2. We can take over and conduct, in Your name, any claim or legal
proceedings at any time before an Appointed Lawyer is appointed. We
can negotiate any claim on Your behalf.
3. If We agree to start legal proceedings and You have to be
represented by a
lawyer, or if there is a conflict of interest, You can choose an
Appointed Lawyer by sending Us the lawyer’s name and address. We may
choose not to accept the choice of lawyer, but only in exceptional
circumstances. If You and We disagree over the choice of Appointed
Lawyer, another lawyer can be appointed to decide the matter (see
condition 17).
4. Before You choose a lawyer, We can appoint an Appointed Lawyer.
5. We will appoint an Appointed Lawyer to represent You according to
Our standard terms of appointment. The Appointed Lawyer must co-
operate fully with Us at all times.
6. We will have direct contact with the Appointed Lawyer.
7. You must co-operate fully with Us and the Appointed Lawyer and
must keep Us up-to-date with the progress of the claim.
8. You must give the Appointed Lawyer any instructions that We ask for.
9. You must tell Us if anyone offers to settle the claim.
10. If You do not accept a reasonable offer to settle a claim, We may
refuse to pay further legal costs.
11. You must not negotiate or agree to settle a claim without Our
approval.
12. We may decide to pay You the amount of damages that You are
claiming or is being claimed against You instead of starting or
continuing legal proceedings.
13. If We ask, You must tell the Appointed Lawyer to have legal costs
taxed, assessed or audited.
14. You must take every step to recover legal costs that We have to
pay and must pay Us any legal costs that You recover.
15. If Your Appointed Lawyer refuses to continue acting for You or if
You dismiss
Your Appointed Lawyer, the cover We provide will end at once, unless
We agree
to appoint another Appointed Lawyer.
16. If You stop a claim without Our agreement, or do not give
suitable instructions to Your Appointed Lawyer, the cover We provide
will end at once.
17. If We and You disagree about the choice of Appointed Lawyer, or
about how a claim is handled. We and You can choose another lawyer to
decide the matter. We and You must both agree to this in writing. If
We cannot agree with You about the choice of second lawyer, We will
ask the president of a relevant national law society to choose a
lawyer. Whoever loses the disagreement will have to pay the costs of
settling it.
SECTION J - WINTER SPORTS EXTENSION
This cover is provided only if You are under 65 and have paid the
premium required. Below are the details of winter sports cover
provided by this extension.
Winter sports
1. You will be covered under all sections for the following winter
sports: cross country skiing, curling, downhill skiing/ snowboarding
and ice-skating. Skiing and
snowboarding off-piste is covered provided You are skiing within the
boundaries of a recognised resort area designed for public use and
are not skiing in areas marked out of bounds or hazardous by the
piste authorities. Heli skiing is only covered as part of a pre-paid
excursion led by professional guides. Tobogganing and snowmobiling
are covered under sections A, B & C but We will not cover any claims
under any other section resulting from any bodily injury or damage to
property that may arise from Your use of sledges, skidoos or powered
vehicles of any kind. No cover is provided for any form of ski
racing, ski jumping, ice hockey or any other hazardous or extreme
sports not specifically listed above.
2. You are not covered for winter sports equipment under section E
(Personal Possessions) of this travel policy. Please see below for
details of winter sports equipment cover.
3. Ski lift passes are included in the cover provided by section F &
G (Money and
Documents) of this travel policy. The following extra cover up to the
maximum limits shown in the schedule is also included in the Winter
Sports Extension :-
SECTION J1 WINTER SPORTS EQUIPMENT
What is covered
1. If Your snowboard or skis (including bindings) boots and poles are
lost, destroyed or stolen, We will pay You up to the limit shown in
the schedule subject to the following depreciation scale based on the
original purchase price of the equipment and the age of the item(s)
80% under 6 months old
60% over six months old and less than one year.
50% over one year old and less than two years.
40% over two years old and less than three years.
30% over three years old and less than four years.
20% over four years old and less than five years.
10% if over five years.
2. You will be covered for repair costs up to the values shown above
if Your snowboard or ski equipment is damaged.
3. If Your hired equipment is lost, stolen or damaged We will pay up
to £100 for
replacement or repair if You are held responsible.
SECTION J2 - WINTER SPORTS EQUIPMENT HIRE
What is covered
If Your own equipment is lost, stolen or damaged after commencement
of the
Outward Journey, You will be covered for the reasonable cost of
hiring a snowboard or skis (including bindings), boots and poles
during Your trip up to the limit shown in the schedule.
SPECIFIC EXCLUSIONS APPLYING TO SECTIONS J1 AND J2
What is not covered
1. You are not covered for the following
(a) Loss of, theft of or damage to Your winter sports equipment
during Your
Outward or Return Journey if You do not get a written ‘carrier’s
report’, or a ‘Property Irregularity Report’ in the case of an
airline. If You cannot report the loss, theft or damage to the
carrier straight away, You must do so in writing within seven days
(b) Loss or theft of Your winter sports equipment at any other time
if You do
not report the loss or theft to the police within 24 hours of
discovering it and get a police report from them
(c) Loss or damage caused by delay, wear and tear, moths, vermin,
weather and atmospheric conditions or mechanical failure
(d) Loss of or theft of or damage to property left in or on a
vehicle overnight.
2. You are not covered for claims for which You receive compensation
from someone else.
3. You are not covered for more than the limit shown in the schedule
for any one
snowboard or pair of skis (including bindings), boots or poles.
Conditions
1. You must take proper care of Your belongings and act as if You did
not have
this insurance policy.
2. You must keep any of Your own damaged property so that We can
inspect
it. When We make a payment for that property, it will then belong to
Us.
SECTION J3 - SKI PACK (LESSONS, HIRE, LIFT PASS)
What is covered
If You fall ill or are injured during the trip and We accept a valid
claim under Section B (Medical Expenses), You will be covered for the
proportional costs of the part of the ski pack which You cannot use.
Ski pack expenses are limited to irrecoverable pre-paid costs for ski
lessons, ski equipment hire and lift passes incurred prior to the
date of the illness or injury that gave rise to the claim.
SPECIFIC EXCLUSIONS APPLYING TO SECTION J3
What is not covered
You are not covered for claims arising from circumstances that are
normally excluded from Section B (Medical Expenses)
SECTION J4 - PISTE CLOSURE
What is covered
This cover is only available for holidays starting after 1st January
and ending before 1st April. If adverse weather conditions cause the
total closure of all ski facilities for more than one day at the
resort You are booked into, You will be covered for a daily benefit
up to the limits shown in the schedule for reasonable additional
transport costs and lift hire costs to enable You to ski in a
different resort. If it is not possible to arrange transport to a
different resort, You will receive the daily benefit for each whole
day’s skiing lost.
SPECIFIC EXCLUSIONS APPLYING TO SECTION J4
What is not covered
1. You will not be covered for any amount You can get back from
someone or somewhere else.
2. You will not be covered if You booked the trip within 14 days of
going on the trip.
Conditions
1. Cover will only apply for as long as there are adverse weather
conditions closing all skiing facilities at Your resort.
2. Cover will only apply if Your resort area has ski facilities above
1600 metres.
3. You must get written confirmation from the appropriate piste
authority to confirm that all pistes were closed or that it was not
possible to travel to another resort.
SECTION J5 - AVALANCHE CLOSURE
What is covered
If Your arrival at, or departure from, Your resort is delayed for
more than 12 hours
due to avalanche, landslide or landslip, You will be covered for
reasonable extra
travel and accommodation expenses up to the limits shown in the
schedule for each full 24 hours that You are delayed.
SPECIFIC EXCLUSIONS APPLYING SECTION J5
What is not covered
1. You will not be covered if the tour operator pays for Your extra
travel and accommodation costs.
2. If You receive compensation from someone or somewhere else, We
will take
this off Your claim.
COMPLAINTS PROCEDURE
If, for any reason, You consider that We have not kept Our promise or
You have
any cause for complaint regarding this insurance please contact the
agent who
sold this policy to You in the first instance. If Your complaint is
regarding a claim, in the first instance write to the Claims Manager
at the claims service detailed on
the Travel Insurance Schedule.
If Your complaint is not resolved to Your satisfaction or if Your
complaint is not regarding a claim, You should write to the Managing
Director, All Seasons Underwriting Agencies Ltd, (ASUA) 6-8 Fenchurch
Buildings, Fenchurch St, London EC3M 5HT. ASUA are authorized and
regulated by the Financial Services Authority. Reg. No. 308488.
If Your complaint is not resolved to Your satisfaction by ASUA then
You should
write to:
Managing Director
IGI Insurance Company Limited
Market Square House
St James’s Street
Nottingham
NG1 6FG
Reg. No. 1229676
Authorised and regulated by the Financial Services Authority
Please always give details of the policy and complaint, together with
the claims
reference number. We will review Your case and reply to You in
writing. We are covered by the Financial Services Compensation
Scheme (FSCS). You may be entitled to compensation from the scheme if
We cannot meet Our obligations. This depends on the type of business
and circumstances of the claim. Most insurance contracts are covered
for 100% of the first £2,000 and 90% of the
remainder of the claim. Further information is available from the
Financial Services Authority or the FSCS at www.fscs.org.uk or on 020
7892 7300.
You can check the above details on the Financial Services Authority
Register by
visiting the FSA website:
www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.
If You are still not satisfied You can contact the:
Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR
The complaints procedure above does not affect any legal rights You
may have to take action against Us.
Please note that the Ombudsman will not normally review Your case
until such time We have made Our final decision. Please give Us the
opportunity to handle Your complaint before referring things to the
Ombudsman.
|
