roundtheworldflights.com

Roundtheworldflights.com has negotiated a truly unique RTW insurance policy that is tailored to meet the needs of travellers (between the ages of 18 and 50 only), and who will be visiting several countries or continents on one trip, including North America - This policy is perfect for your round the world trip. Call us on 0207 704 5700 to get your policy issued today!

See our full roundtheworldflights.com insurance document here

Annual Travel insurance click here

Over 50? - we do have other great travel insurance - click here

 

The Financial Services Authority (FSA) is an independent watchdog that regulates financial
services. It requires us to give you this pdf document above. Please use the information below to confirm that the service we are offering is right for you. The full cover is in the pdf on this page.

Who Regulates Us?
roundtheworldflights.com and Global Village Travel Centre (registration number
411794), 102 Islington High Street, Angel Islington London N1 8EG, is an Appointed Representative of Campbell Irvine Ltd (registration number 306242) who are authorised and regulated by the Financial Services Authority. You may check this on the FSA’s register by visiting the FSA’s website www.fsa.gov.uk or by contacting them on 0845 606 1234.

Whose Products do we offer?
We only offer products from a single Insurer, International Insurance Company of Hannover
Limited (IICH) for Travel Insurance.

Which Service we provide you with?
We do not recommend products after assessing your needs for Travel Insurance. We will ask you questions to determine that the product we are offering is applicable to your circumstances. You can then choose whether you wish to proceed with this product.

What will you have to pay us for our services?
We may charge an administration fee to cover any amendments to your travel insurance policy after it has been issued. Details will be provided to you at the time.

Are we covered by Financial Services Compensation Scheme (FSCS)?
We are covered by the Financial Services Compensation Scheme. You may be entitled to
compensation from the scheme if we can not meet our obligations, depending on the type of
business and the circumstances of the claim. Insurance advising and arranging is covered for
100% of the first £2000 and 90% of the remainder of the claim, without any upper limit. Further
information about compensation scheme arrangements is available from the FSCS.

Your Duty of Disclosure
It is your responsibility to provide complete and accurate information to Insurers when you take
out your insurance policy, throughout the life of the policy and when you renew it. It is important
you ensure that all statements you make on any application form, claim form and other
documentation are full and accurate. Please note that if you fail to disclose any material information or change of circumstances to your Insurers, this could invalidate your insurance cover and could mean that part or all of a claim may not be paid. We strongly recommend that the information provided is checked thoroughly prior to submission and that you keep a record of all correspondence supplied in relation to the arrangement of your insurance cover.

Settlement Terms
We will be responsible for collecting payment for all new and renewal premiums and any alterations as soon as practicable but prior to inception or renewal of your policy. All premiums paid to us will be held as Agent of the Insurer in our Non Statutory Trust Bank Account. All premiums are protected under Risk Transfer agreement with the Insurers. You will be responsible for paying promptly all of our payment requests for premiums, to enable us
to make the necessary payments to Insurers. We normally accept payment by cash, cheque,
selected credit /debit cards.

Your Policy
Should you mislay your policy a replacement will be issued or emailed as a pdf upon written request.

Governing Law and Language
The contract will be subject to the laws of England and in all communications, the contractual terms and conditions, and any information, we are required to supply to you, before and during the duration of the contract will be in the English language, unless otherwise agreed in writing.

Confidentiality and Data Protection
All personal information held by us in relation to you will be treated with the utmost confidence
and, where appropriate, in accordance with data protection legislation, including the Data
Protection Act 1998. To set up and administer your insurance policy IICH will hold and use
information about you supplied by you and by medical providers. They may also send it in
confidence for processing to other companies in the IICH Group (or companies acting on their
instructions) including those located outside the European Economic Area.

What to do if you have a complaint
Please see the complaints procedure detailed in the Policy Document.

This Policy Summary does not contain full details and conditions of your insurance - these are located in your Policy Document. Where a heading is underlined in this Policy Summary, full details can be found in the Policy Document under the same heading.

Underwriters

This insurance is underwritten by the International Insurance Company of Hannover Limited (IICH).

Duration
Please refer to your Booking Invoice to confirm the policy duration of your selected cover.

Cancellation Period
You are free to cancel this policy at any time. If you wish to cancel within 14 days of receipt of the Policy Document, you may by writing to Global Village for a full refund providing you have not travelled and no claim has been made. If you cancel after the first 14 days of receipt of the
Policy Document no premium refund will be made. Please see the Policy Document for full
details.

Claim Notification
To make a claim contact Claims Settlement Agencies Limited (CSA) on Telephone 0844 826 2644

Medical Emergencies Claims Procedure

Specialty Assistance 24 Hour Emergency Medical Service
Tel: +(44) (0) 20 7902 7405
Fax: +(44) (0) 20 7928 4748

Be prepared to give:

1. Insurance roundtheworldflights.com Booking Number (this is on your booking confirmation and is the same as your policy number)
2. Details of problem including name and address
of patient and nature of illness or accident.
3. Name and telephone number of hospital and attending doctor.
4. Details of usual Doctor or General Practitioner. Please do NOT use the Emergency Service for casual enquiries.

 

 

1. Medical, Repatriation and Associated Expenses.
Up to £5,000,000

Should an insured person suffer accidental bodily injury or illness (including compulsory quarantine) or be hi-jacked during the Period of Insurance, the Insurer will indemnify:

i) normal and necessary receipted expenses of medical or surgical treatment incurred outside the insured person's country of residence including, emergency dental treatment to relieve pain and
suffering (limited to£250), specialists or ophthalmic fees, hospital, nursing home and nursing attendance charges, physiotherapy, massage and manipulative treatment, surgical and medical
requisites. Decompression chambers, ambulance/necessary transport charges (including helicopter/air ambulance charges if necessary on medical grounds and authorised by the Insurer or their Agents). The Insurer reserves the right to repatriate the insured person to their country of residence when in the opinion of the doctor in attendance and their medical advisers the insured person is fit to travel.
ii) reasonable additional accommodation and repatriation expenses incurred by an insured person and any one member of the family or party who has to remain or travel with the injured, ill or hi-jacked insured person, certified by a doctor to be strictly necessary on medical grounds, and approved by Specialty Assistance.
iii) the travel and reasonable accommodation expenses of one person to travel from their country of residence if their presence is strictly necessary on medical grounds.
iv) the cost of transporting the remains of an insured person to former place of residence up to£7,500 or funeral expenses incurred outside the insured person's country of residence up to£1,000.

2. Additional Hospital Benefit.
Up to £200
In addition to the costs referred to above, the Insurer will also pay the sum of£10 compensation for each complete day, up to£200, that the insured person is confined to hospital outside their normal
country of residence.

3. Criminal Injuries.
Up to£5,000
Should an insured person be admitted to hospital as an in-patient as a result of receiving Criminal Injuries following a personal assault verified by a written report that substantiates the injuries resulted from an unprovoked personal assault, the Hospital Benefit payable under Section A2 above is increased to£100 per complete day, up to£5,000, that the insured person is confined to hospital outside of their normal country of residence.

EXCLUSIONS APPLICABLE TO SECTION A1, A2 and A3
The Insurer shall not be liable for any claim:
a. arising out of pregnancy or childbirth if subject to a gynaecological disorder or if expecting to give birth within 8 weeks of completing a journey insured hereunder.
b. arising from a Pre-existing Medical Condition.
c. for the cost of medical or surgical treatment of any kind received by the insured person later than 52 weeks from the date of the accident or commencement of the illness.
d. for medical expenses incurred in an insured person's country of residence.
e. not verified by a medical report.
f. for elective cosmetic surgery.
g. for dental treatment to provide, replace or repair caps, crowns or bridges.

4. Personal Liability.
Up to £1,000,000

The Insurer will indemnify the insured person to the Sum Insured against all costs the insured becomes legally liable to pay as damages together with claimant's costs in respect of:-
(i) Accidental bodily injury to or death or illness of any person
(ii) Accidental loss of or damage to material property, occurring during the Period of Insurance. The Insurer will in addition pay all costs and expenses incurred with its written consent.

EXCLUSIONS APPLICABLE TO SECTION A4
The Insurer shall not be liable for any claim arising out of:

a. the ownership, possession or use of any aircraft, yachts or mechanically propelled vehicle including watercraft.
b. the ownership or use of lands or buildings (other than use only of rented temporary accommodation, in which case the first£250 of each and every claim is excluded).
c. any wilful or malicious act
d. the pursuit of any trade, business or profession
e. bodily injury, death or illness of the insured person or any member of the insured person's family
f. liability assumed under agreement unless such liability would have attached notwithstanding any such agreement.
g. The Insurer will not pay more than £1,000,000 for damages payable for any claim or claims arising from one event.

Up to  £10,000
In the event of the insured person sustaining bodily injury arising wholly and exclusively from violent accidental external and visible means which injury shall solely and independently of any other cause result in his/her death or disablement within twelve calendar months of the injury, the Insurer hereby agrees to pay to the insured person or in the event of death to his/her legal personal representative the following Sum Insured.

1. Death, or. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .£10,000
2. Loss of eye (s) or . . . . . . . . . . . . . . . . . . . . . . . . . . .£10,000
3. Loss of one or two limbs, or. . . . . . . . . . . . . . . . . . .£10,000
4. Permanent total disablement. . . . . . . . . . . . . . . . . . .£10,000

Provided that:
i) the benefit payable under (1) above is reduced to £1,000 if the insured person is under 16 years of age or 66 years of age or over at the time of death
ii) the total compensation in respect of any one insured person shall not exceed the Sum Insured.

Definitions
Loss of one or two limbs: loss or severance at or above the wrist or ankle or total permanent loss of use of an entire arm or leg.

Loss of eye(s): total or irrecoverable loss of sight.

Permanent total disablement: bodily injury other than the above which totally incapacitates the insured person from engaging in or attending to any occupation whatsoever for at least twelve calendar months from the date of the injury and at the end of that time rendering the insured person beyond hope of improvement.

Up to £2,000

Should an insured person necessarily have to cancel the projected journey before commencement, as a result of:

i) the death, accidental bodily injury, illness, compulsory quarantine, redundancy that qualifies for payment under current redundancy legislation, cancellation of leave for British forces, Police or
government security staff, summoning to jury service or witness attendance in a court of an insured person or insured travelling companion.
ii) the death, serious injury or illness of a close relative, or the person with whom the insured person intends to reside at the holiday or journey destination, or dependant business partner of the insured person or insured travelling companion which necessitates the presence of the person concerned.
iii) Hi-jack.
iv) adverse weather conditions making it impossible for an insured person to travel to point of departure at commencement of outward journey.
v) major damage or burglary at the insured person's home or place of business which at the request of an emergency service requires their presence.

The Insurer will pay for Cancellation prior to departure any Irrecoverable Payments and Charges (whether paid or contracted to be paid) made to the Global Village Travel Centre Ltd for airline flights anywhere in the world, up to the Sum Insured.

EXCLUSIONS APPLICABLE TO SECTION C

The Insurer shall not be liable for any claim:

1. arising out of pregnancy or childbirth if pregnant at date insurance commenced or subject to a gynaecological disorder or if expecting to give birth within 8 weeks of completing a journey insured hereunder.
2. arising from a Pre-existing Medical Condition.

Hi-Jack of Aircraft
The Insurer will pay compensation of£100 per complete day that the insured person is in detention due to unlawful seizure or wrongful exercise of control of an aircraft or the crew thereof, in
which the insured person is travelling as a passenger, up to£500

EXCLUSIONS APPLICABLE TO SECTION D

The Insurer shall not be liable for any claim arising directly or indirectly from:

Terrorism, war, invasion, riot, or civil commotion in existence or publicised at the time of effecting the Insurance.

Indemnity for Loss, Theft or Damage to:-
1. Accompanied personal luggage, clothing or effects belonging to the insured person. Up to£750
Claims are settled on an INDEMNITY basis taking account of age, wear and tear
2. Personal Monies. Up to£300. Cash, Bank or Currency notes, including reasonable expenses incurred as a result of loss, theft or damage.
3. Tickets. Up to£1,000. Air or other tickets including reasonable expenses incurred as a result of loss, theft or damage.
3. Passport or Visas. Up to£250. In respect of the cost of an emergency replacement or temporary passport or visa obtained whilst abroad including reasonable and receipted expenses incurred to obtain the same.

NOTE IN RESPECT OF CASH
Cover will be effective from time of collection from bank or currency exchange agent, or for 3 days before commencement of journey, or from date of commencement of this Insurance, whichever is the latter.

CONDITIONS APPLICABLE TO SECTIONS E&G
The insured person must comply with the following conditions to have the full protection of their policy. If the insured person does not comply the Insurer may at their option cancel the policy or refuse to deal with their claim or reduce the amount of any claim payment.

1. The insured person shall act at all times as if un-insured and shall exercise reasonable care for the safety and supervision of his property and in the event of loss, theft or damage hereunder the
insured person shall take all reasonable steps to recover any lost property.

2. The Insurer's liability for any insured article shall be limited to£250, the value of a pair or set of articles shall be limited to£250, and the value of disc collections shall be limited to£200. The
insured person shall produce receipts or other evidence of value and ownership where possible and in any event in respect of any item valued in excess of£100. Where this is not done liability shall be limited to£100.

3. Loss, theft or damage whilst in the custody or control of a carrier, authority, transport company, garage or hotel must be reported in writing to them and written acknowledgement obtained. Valuables and Money are not insured if left in 'checked in' luggage.

4. If baggage is temporarily lost for more than 24 hours by an airline, railway or shipping company on the outward journey, for the purchase of immediate necessities the Insurer will indemnify the
insured person up to£100 supported by receipts, but this will be deducted from the final claim if the loss is permanent.

5. There is a combined limit of£300 in respect of Valuables, (defined as jewellery, gold and silver articles, watches, photographic equipment, binoculars, telescopes, personal stereos, TV, hi-fi equipment, computer equipment and electronic devices.)

6. Indemnity for air tickets is limited to the original purchase price proportionately for each leg of the journey and loss, theft or damage must be reported immediately to the issuing agent or loss
adjusters.

7. Claims for loss, theft or damage to spectacles or sunglasses are limited to£100 per pair.

The Insurer shall not be liable for any claim arising out of:
1. damage due to moth, vermin, wear and tear and gradual deterioration.
2. loss, theft or damage to contact or corneal lenses, dentures or other aids or appliances, cycles, wind or surf boards or mobile telephones. Winter sports equipment is excluded unless the appropriate premium has been paid or Annual Multi Trip Insurance purchased.
3. loss, theft or damage to property hired to the insured person or confiscated by Police, Customs or other relevant authority.
4. loss, theft or damage not reported to the Police or other relevant authority as soon as possible and a written statement obtained in confirmation.
5. the breakage of fragile articles and the consequences thereof unless caused by fire or accident to a means of conveyance.
6. mechanical breakdown or derangement.
7. loss, theft or damage to business or professional goods, equipment or samples.
8. loss, theft or damage to money, or Valuables (as defined in Condition 5) left Unattended (including in a vehicle or the custody of carriers), unless in a locked safe, a locked hotel room, locked apartment, or locked holiday residence. Valuables and money are not insured if left in 'checked in' luggage.
9. shortages due to error or omission, depreciation in value.

Up to £5,000
The Insurer will pay for legal costs and expenses, or the appointment of a claims agent in order to pursue compensation and/or damages against a third party arising from or out of personal injury to or death of the insured person occurring during the Period of Insurance.

The Insurer shall have complete control over the legal proceedings and the appointment and control of a solicitor or claims agent.

EXCLUSIONS APPLICABLE TO SECTION F
The Insurer shall not be liable for:
1. costs incurred in pursuance of any claim against a travel agent, or tour operator including any employee, servant or agent thereof, carrier or their suppliers, or travelling companion or the Insurer or their representatives.
2.legal expenses incurred prior to the granting of support by the Insurer or without their written consent.
1. any claim where, in the Insurer's opinion, there is insufficient prospect of success in obtaining a reasonable benefit.
4. claims for professional negligence.

5. claims against any employer, or whilst carrying on any trade or profession.
6. the first£250 of any claim.

If an insured person suffers a personal injury and wishes to claim against the person who caused it they may telephone Towergate Chase Parkinson on 01932 334 196 for guidance.

Winter Sports Activities

Applicable only if the appropriate premium has been paid and in addition to the cover granted under all other sections of this Insurance.

Ski Equipment up to £350
The Insurer will indemnify the insured person in respect of:
a) Loss, theft or breakage of skis and ski equipment owned by the insured person.
b) Loss, theft or breakage of skis and ski equipment hired to and in the charge of the insured person. There is a limit of £250 for any single item, set or pair and an overall limit of £100 in respect of hired equipment. The insured person shall produce receipts or other evidence of value and ownership where possible and in any event in respect of any item valued in excess of £100. Where this is not done, liability shall be limited to £100.

Ski Hire up to £200
The Insurer will indemnify an insured person in respect of the cost of necessary hire of skis following:-
a) Loss, theft or breakage of an insured person's skis.
b) The misdirection or delay in transit of an insured person's skis, subject to the insured person being deprived of their use for not less than 12 hours.

Ski Pack up to£300
The Insurer will indemnify an insured person in respect of the proportionate value of any ski pass, hire or tuition fee necessarily unused due to the following:
a) Accident or sickness of an insured person.
b) Loss, theft or damage of ski pass.

Piste Closure up to£200
The Insurer will pay up to£20 for each 24 hour period that it is not possible to ski, up to the maximum Sum Insured, for additional transport costs incurred to reach an alternative resort caused by a lack of snow or avalanche at the insured person's pre-booked resort following the closure of skiing facilities.

Avalanche Closure up to£150
The Insurer will indemnify an insured person in respect of additional travel and accommodation expenses necessarily incurred in the event that the outward or return journey by public transport is
delayed beyond the scheduled arrival time as a direct result of avalanche. Subject to a delay of not less than 12 hours having occurred.

NOTE: This Winter Sports Extension is subject to the same Conditions and Exclusions as Section E. Personal Effects, other than the exclusion of hired equipment. Skis and Ski equipment includes snow boards and snow board equipment.

EXCLUSIONS APPLICABLE TO SECTION G

The Insurer shall not be liable for any claim arising out of :

1. occurrences detailed above that do not occur during the period of overseas travel.
2. the insured person participating in ski racing in major events, ski-jumping, ice hockey, or the use of bob sleighs or skeletons.
3. Ski Hire, Ski Pack, Piste Closure or Avalanche which are not supported by documentary evidence.
2. the loss, theft or damage of skis or ski sticks over five years old.
NOTE: Claims will in any event be settled on the basis of 20% depreciation each year for such items.
5. loss, theft or damage to skis or ski equipment carried on a vehicle roof rack.
6. loss of or damage to skis or ski equipment whilst in use.

Please note: Winter sports activities are insured subject to the appropriate premium having been paid, if using a recognised piste. Random 'off piste' winter sports activities will only be insured if with a qualified instructor or in a group of not less than 3 persons in possession of working communications or portable telephone. No cover for winter sports activities against local authority advice.

Data Protection
This insurance is underwritten by AXA Insurance UK plc, who are authorised and regulated by the Financial Services Authority. Your insurer AXA Insurance UK plc is a member of the AXA Group. To set up and administer your insurance policy they will hold and use information about you supplied by you and by medical providers. They may also send it in confidence for processing to other companies in the AXA Group ( or companies acting on their instructions) including those located outside the European Economic Area.

 

MEDICAL TREATMENT IN AUSTRALIA - MEDICARE

Should you require medical treatment in Australia you MUST enroll with MEDICARE. It can be done after the first occasion on which you receive treatment. In-patient and out-patient treatment at a public hospital is then available free of charge. Should you be admitted to hospital then immediate contact must be made with SPECIALTY ASSISTANCE and their authority obtained in respect of any treatment not available under MEDICARE before such treatment is provided.

PLEASE NOTE: Cover is excluded for any Pre-existing Medical Condition from which the insured person, or any person upon whom travel depends, is suffering. If in doubt call our medical helpline, in confidence on 0870 906 3140

Please see definition of Pre-existing Medical Conditions on above. Please see General Exclusion 9 above for further details.

Unfortunately things can go wrong on holiday. You could fall ill or have an accident; you could have money or luggage stolen; your visit might be cancelled or cut short through injury or illness; your family may need to fly out to be with you if there is a serious incident. Costs - particularly medical treatment costs - can easily run into thousands of pounds. This is particularly relevant in North America or in areas of the world cut off from standard medical facilities such as you will find when you are trekking. All these risks and more can be covered by taking out travel insurance. Market surveys show that many people don't take insurance. People believe that their credit card accident cover, home insurance, or private health cover is sufficient. However, it is unlikely that these will give adequate cover. Be sure to look through the extent of the cover that we offer. We have tailored this policy specifically to the needs of the backpacker and the round the world traveller. By removing some of the more unnecessary cover but without removing all the essential stuff (we didn't think you'd want to be taking that£3000 Gucci watch away with you on this trip!) we have been able to bring the cost down to as little as 62p per day for a fully comprehensive policy. Declare anything that you think might affect the cover. Be honest - tell your insurer about current or past medical conditions. This should include the condition of those to be insured and others, such as close relatives, whose state of health may prevent you from travelling or may cause you to curtail your trip. If you don't declare you may invalidate your policy. If travelling to Europe - make sure you fill in Form E111. When you travel. - Make sure you take your policy and the 24 hour emergency phone number with you. - Make sure you know what to do in the event of a problem. - Contact Campbell Irvine as soon as possible to make them aware of any problems that have arisen. - If anything does happen make sure you keep as much paperwork as possible - tickets, receipts, medical bills, police reports etc - to help prove that what you're claiming for actually happened.