This summary does not describe all the terms and conditions of your policy, so please take time to read the policy document to make sure you understand the cover it provides.
ABOUT THE INSURER:
This insurance is underwritten by Certain Underwriters at Lloyd’s and administered by All Seasons Underwriting Insurance Brokers Limited (ASUIA). Details of the name of the Syndicate can be obtained in writing to ASUIA.
PURPOSE OF THE INSURANCE:
This is a travel insurance policy that, subject to the terms, conditions and exclusions contained in the policy wording, provides certain financial protection and medical assistance for your trip(s). This policy will have been sold to you on a non-advised basis and it is therefore for you to read this information (paying particular attention to the terms, conditions and exclusions) and ensure that it meets all of your requirements.
This policy does not provide any cover for pre-existing medical conditions.
You may already possess alternative insurance(s) for some or all features and benefits provided by this product; it is your responsibility to investigate this. If upon reading this policy you find it does not meet all of your requirements, please refer to the relevant cooling off / policy cancellation section.
To be able to purchase this policy:
- You must be a permanent resident of the United Kingdom, Channel Islands or Isle of Man.
- You must be registered with a doctor;
- You must purchase the policy before the trip starts; and
- Your trip must also start and end in the United Kingdom, Channel Islands or Isle of Man.
You must be between 3 months to 75 years. Any person age 76 years and above, may be eligible for insurance subject to referral to underwriters for acceptance of cover.
Children aged 3 months to 18 years must be accompanied by their parent(s) or if they travel alone must be dropped off and picked up by an adult aged 18 years and above.
PERIOD OF INSURANCE:
The policy you have purchased will run for the period of insurance shown on your confirmation invoice issued by the selling agent.
Annual multi-trip policies will not be automatically renewed.
YOUR RIGHT TO CANCEL:
We hope you are happy with the cover this insurance provides. However, if after reading the policy this insurance does not meet with your requirements please contact VASCO UK within 14 days of issue and they will refund your premium in full, provided you have not travelled and no claims have occurred. If you cancel after 14 days there will be no refund of premium.
To cancel, call VASCO UK on 0207 247 3708.
HOW TO MAKE A CLAIM:
In the event of an emergency please contact:
24 Hour Emergency Medical Helpline
Tel: +44 (0) 1273 624 661
Fax: +44 (0) 1273 606 390
To obtain a claims form please e-mail us or contact us at the address below. Please send all claims directly to:
Monday – Friday 09:00 – 17:00
Peek House. 1st Floor, 20 Eastcheap, London. EC3M 1EB
Tel: +44 (0) 207 481 2399 Email: email@example.com
The above numbers are for the Claims Department only and should be used to discuss claims submitted and on-going issues.
HOW TO MAKE A COMPLAINT:
If you wish to make a complaint you can do so by contacting:
All Seasons Underwriting Insurance Brokers Ltd.
Peek House, 1st Floor, 20 Eastcheap, London, EC3M 1EB
Telephone: 020 7481 2399
You may at any time as Lloyd’s complaints department to review your complaint. Lloyd’s contact details are:
One Lime Street, London, EC3M 7HA
Telephone: 020 7327 5693
If you remain dissatisfied your complaint may be referred to the Financial Ombudsman Services, the address is:
Financial Ombudsman Service
Exchange Tower, London, E14 9SR
Telephone: 0800 023 4567 or 0300 123 9123
If you have purchased your policy online you can also make a complaint via the EU’s online dispute resolution (ODR) platform. The website for the ODR platform is: http://ec.europa.eu/odr
FINANCIAL SERVICES COMPENSATION SCHEME:
Lloyd's Underwriters are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the Scheme if a Lloyd's Underwriter is unable to meet its obligations to you under this insurance.
If you are entitled to compensation under the Scheme, the level and extent of the compensation will depend on the nature of this insurance. Further information about the Scheme is available from the Financial Services Compensation Scheme (10th Floor, Beaufort House, 15 St. Botolph Street, London EC3A 7QU) and on their website: www.fscs.org.uk.