 Bare Bones Insurance - Summary of Benefits
Bare Bones Insurance, Netcoverdirect Ltd
PO Box 6603, Poole, BH15 9BS, United Kingdom
www.barebonesinsurance.co.uk
Summary of Benefits
The following summary does not contain the full terms and conditions of the contract, which can be found in the Full Policy Schedule Document - there is a link below to download a full copy for yourself. The summary after the Full Policy Schedule Document link does not form part of your contract of insurance.
The Summary
PERIOD OF INSURANCE
The policy You have purchased will run for the period of insurance shown on your Travel Insurance Validation Certificate/Covernote.
YOUR RIGHT TO CANCEL THIS POLICY
We hope You are happy with the cover this policy provides. However, if after reading the policy this insurance does not meet with your requirements, please return it to the selling agent within 14 fourteen days of issue and they will refund your premium provided you have not already travelled or made a claim. If your policy is an annual multi-trip policy, the Insurer shall not be bound to accept renewal of any Insurance and may at any time cancel any insurance document by sending 14 days notice to the Insured at his last known address. Provided the premium has been paid in full the Insured shall be entitled to a proportionate rebate of premium in respect of the un-expired period showing on the Insurance.
HOW TO MAKE A CLAIM
If you need to make a claim, please obtain a claim form no later than 31 days after the event by telephoning the claims service detailed on the Travel Insurance Validation Certificate/Covernote and Travel Insurance Schedule. If you require emergency in-patient medical treatment and/or repatriation assistance or need to curtail your trip whilst abroad you must contact the 24 Hour Assistance Service detailed on the Travel Insurance Validation Certificate/Covernote and Travel Insurance Schedule for authorization or we may not pay your claim.
ABOUT THE INSURER
This insurance is underwritten by IGI Insurance Company Limited, Market Square House, St James’s Street, Nottingham, NG1 6FG. IGI Insurance Company Limited is authorized and regulated by the Financial Services Authority.
HOW TO COMPLAIN
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 and act as an agent of the insurer. 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. 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.
YOUR POLICY SUMMARY
Some important facts about your insurance are summarized within this Summary. This summary does not describe all the terms and conditions of your policy, so please take time to read the full policy document to make sure you understand the cover it provides. This Policy Summary does not form part of the contract between us.
INSURANCE PROVIDER
Your Travel Insurance is arranged by All Seasons Underwriting Agencies Limited on behalf of IGI Insurance Company Limited.
PURPOSE OF THE INSURANCE
This is a travel policy that, subject to the terms, conditions and exclusions contained in the Policy Document, provides certain financial protection and medical assistance for your trip(s). This insurance would meet the demands and needs of someone who is 54 or under at the date of purchase of the policy and wishes to effect short term travel insurance cover for a trip away from their home. The cover applicable to each person is set out in the electronic cover note, which is issued when the insurance cover is purchased, and may not be the full cover as set out in the schedule of benefits below, but will depend on which level of cover the person has chosen.
SIGNIFICANT PRODUCT FEATURES, BENEFITS AND EXCLUSIONS
The levels of cover and excesses that apply are set out in the Schedule of Benefits on the Travel Insurance Schedule. Certain Sections of your Policy carry an excess (unless an increased premium has been paid by you to include an excess waiver) which means that you have to pay the first sum per person, per incident if you claim. The excess amount varies according to the Section you are claiming under. The table below sets out the significant benefits and exclusions of your Policy. The policy includes many other benefits, conditions and exclusions.
EXCESSES
You and each person named on the deposit receipt will be responsible for the first part of a claim made under certain sections of this insurance (shown in the table above) this is known as the “Excess”. If you have paid the additional premium to waive the excess, the standard claims excess will not apply.
CANCELLATION RIGHT
We hope you are happy with the cover this policy provides. However, you have the right to cancel it within 14 days of receiving the policy. See the enclosed policy document and the section headed “How to cancel your policy”. Please note that this right does not apply if your policy is a short term insurance of less than one month in duration.
PLEASE READ YOUR POLICY WORDING TO MAKE SURE THAT THE COVER IS SUITABLE FOR YOU. PLEASE NOTE YOU HAVE NOT RECEIVED ADVICE OR RECOMMENDATION FROM US REGARDING THIS TRAVEL INSURANCE, BUT HAVE MADE YOUR OWN CHOICE ABOUT HOW TO PROCEED. PLEASE REFER TO THE SUMS INSURED SCHEDULE BELOW FOR THE LIMITS AND EXCESSES APPLICABLE TO EACH SECTION. THE POLICY WORDING SETS OUT FULL DETAILS OF THE COVER PROVIDED. THE FULL WORDING IS AVAILABLE ON THE BARE BONES WEBSITE AND SHOULD BE REVIEWED PRIOR TO PURCHASING THIS INSURANCE. PLEASE NOTE: PLEASE REFER TO YOUR VALIDATION CERTIFICATE/ELECTRONIC COVERNOTE FOR THE DETAILS OF THE SPECIFIC COVER YOU HAVE PURCHASED
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SECTION
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COVER
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MAXIMUM SUMS INSURED
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EXCESS
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A
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Cancellation or Curtailment
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Up to £2,500
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£75
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B
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Emergency Medical Repatriation & Other Expenses
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Up to £5,000,000 in total
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£75
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Including Dental Treatment Limit
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£250
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£75
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Hospital Confinement Benefit
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£20 per 24 hrs up to a maximum of £600 in total
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Nil
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C
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Personal Accident
Item 1
Item 2
Item 3
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£5,000
£15,000
£15,000
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Nil
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D
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Travel Delay
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£20 first 12 hours, £20 for each additional 12 hr period up to a maximum of £200 in total
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Nil
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Abandonment after 24 hours
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Up to £2,500
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£75
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Missed Departure
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Up to £500
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£75
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E
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Personal Possessions
Single Article/Pair/Set Limit
Total Valuables Limit
Spectacles/Sunglasses Limit
Business Equipment (OPTION)
Delayed Baggage
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Up to £1,500 in total including:
£150
£150
£75
£2000
£200
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£75
(Delayed baggage)Nil
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F
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Personal Money
(Cash limit carried on any one insured person £150)
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Up to £300
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£75
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G
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Passport, Ticket & Documents
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Up to £200
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£75
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H
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Personal Liability
including Rented accommodation limit
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£1,000,000
£100,000
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£250
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I
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Legal Expenses
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Up to £10,000
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£250
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WINTER SPORTS EXTENSION (ONLY APPLICABLE IF ADDITIONAL PREMIUM HAS BEEN PAID)
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J
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Winter Sports Extension
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J1
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Winter Sports equipment
Single Article/Pair/Set Limit
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Up to £500
£150
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£75
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J2
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Winter Sports equipment hire
Daily Limit
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Up to £400
£30
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£75
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J3
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Ski Pack
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Up to £300
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Nil
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J4
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Piste Closure
Daily Limit
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Up to £300
£30
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Nil
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J5
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Avalanche Closure
Daily Limit
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Up to £500
£30
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Nil
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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
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
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The Significant Conditions and Exclusions
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Section of Cover
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Medical Conditions existing prior to purchasing this policy
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This insurance does not cover pre-existing medical conditions and Your claim will not be covered if you or anyone travelling with you can not agree with the following declaration:
(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.
For a Close Relative or Business Associate who is not travelling and whose health may affect the trip.
If, at the time of taking out this insurance (or booking the trip if this was later) Your Close Relative or Business Associate had a medical condition for which he/she:
Was receiving treatment at hospital
Was waiting for a hospital consultation or treatment
Had been given a terminal prognosis, or been told that their condition is likely to get worse in the next 12 months
We will not pay for any problem which has anything to do with that medical condition.
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.
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"Important Declaration of Pre-existing Medical Conditions"
Exclusions Applying to Section A, B and C – "What is not covered" Section B – Medical, Treatment & Repatriation Expenses – "What is not covered"
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Age Limits
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There may be Age Restrictions on your Policy. Please ask your issuing agent if this applies to you.
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Country of Residence
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Country in which you live, for the majority of the year. Being either the United Kingdom or if agreed in writing a member country of the European Union.
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Hazardous Sports & Leisure Activities
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You are not covered for taking part in any Hazardous Pursuit unless it is listed in the policy wording. If You are going to take part in any activity that may be considered dangerous or Hazardous that is not detailed in the Policy Wording, please contact the selling agent who will contact Us to see if We can provide cover. Please note that under the Personal Liability section You will not be covered for liability caused directly or indirectly by Your owning or using firearms or weapons, animal, aircraft, motorized vehicle, boat and other watercraft, or any other form of motorized leisure equipment, including jet skis and snowmobiles. You may be covered when participating in certain winter sports if you have paid to extend your cover.
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Important Information 3 "Hazardous Pursuits"
Winter Sports "Definitions"
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Law and Jurisdiction
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This insurance is governed by English Law unless we agree otherwise.
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Important Information 17 "Jurisdiction"
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Section Of Cover
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Significant Features and Benefits
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Policy Limits and Exclusions Applying to Significant Covers
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CANCELLATION OR CURTAILMENT
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Cancellation provides cover for travel and accommodation expenses paid or contracted to be paid by you in respect of your trip. Curtailment provides cover for travel cost necessarily incurred to return you to your home before the booked return date and a pro-rata amount representing the total pre-paid or contracted costs of accommodation, care hire and excursions attributable to each complete day which is not spent overseas. This pro-rata refund excludes all costs attributable to the outward and return travel tickets, whether used or unused.
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To be able to claim, the reason why the trip is being cancelled or cut short must be necessary and unavoidable and must fall into one of the reasons listed in the Policy. For example, if a person insured under this policy becomes ill or is injured or dies.
"Important Declaration of Pre-existing Medical Conditions"
Exclusions Applying to Section A, B and C - "What is not covered"
Section B – Medical, Treatment & Repatriation Expenses - "What is not covered"
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EMERGENCY MEDICAL AND OTHER EXPENSES
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Provides cover for costs arising in the event of illness, injury or death during the trip and where necessary the provision of emergency medical assistance.
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To be able to claim, the medical treatment must be required as an emergency and can not wait until you have returned to your country of residence or are brought home by our 24 hour assistance service. In patient hospital treatment and out patient treatment likely to cost more than £250 must be authorized by our 24 hour assistance service. If you are traveling in a country with a reciprocal health care agreement with the UK you must wherever possible use medical services working within the terms of the agreement. Private medical treatment must be authorized in advance by our 24 hour assistance service. Medical treatment cover does not apply to treatment received in the country in which you reside.
"Important Declaration of Pre-existing Medical Conditions"
Exclusions Applying to Section A, B and C - "What is not covered" Section B – Medical, Treatment & Repatriation Expenses - "What is not covered"
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Bare Bones Insurance Policy Wording
Please read the full policy wording. The full policy wording is below to view / save as a Word file or a PDF file
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