Travel Insurance
Policy Summary

This summary highlights the key features, benefits, limitations and exclusions. This summary does not form part of the policy wording. You must read the policy wording for full details of the terms of the insurance, including definitions. Your policy wording can be found in your personal web space by visiting swiftcover.com and logging in to My Swift Space.

The limits of cover that apply to your policy are set out in the types and overall limits of cover' table in your policy wording. Most sections of your policy carry an excess which means that you have to pay the first specified amount per person per sub-section if you claim.

Significant Policy Conditions & Exclusions			Policy Reference
Pre-existing Medical Conditions	No cover is available under any section of this policy for any claim arising from or related to a pre-existing medical condition which you, or anyone else upon whom your travel is dependent, knew about or could have reasonably been expected to have known about, prior to the purchase of this policy. You will not be able to claim if:		General Exclusion 1
	You travel against any health requirements stipulated by the carrier, their handling agents or any other public transport provider. The claim results from suicide, attempted suicide, depression, anxiety, mental strain, depressive illnesses of any type. The claim is in connection with the use of alcohol or drugs.		General Exclusion 1f. General Exclusion 21 General Exclusion 22
Age Limits	Single Trip Policies - Maximum age is 64 at the date of departure (74 for members). Annual Policies - Maximum age is 64 at the date of departure (69 for members). Gap Year Policies - Maximum age is 34 at the date of departure (39 for members).
Residency	You must have been resident in the UK for at least 6 out of the last 12 months prior to purchasing this policy.		Under definitions You', Your', Insured'.
Family	Parents or grandparents (up to a maximum of two adults) and their children or grandchildren. Cover for families shall apply where the "Family". Cover for families shall apply where the appropriate premium has been paid and where the family members travel together. Adults insured on an annual multi-trip policy are entitled to travel independently of each other. Cover for children will only be provided if travelling with an insured adult and all travellers are named on the policy schedule (unless a Members policy has been purchased).		Under definitions "Family".
Law&Jurisdiction	This insurance is governed by English Law unless we agree otherwise in writing.		Under Your contract of insurance'.
Acceptable Sports&Leisure Activities	Any sport or leisure activity listed below and then only when participating on an amateur basis: Archery, Badminton, Ballooning (organised in UK), Baseball, Basketball, Beach Games, BMX Racing, Bowls, Bungee Jumping, Canoeing, Catamaran Sailing, Clay Pigeon Shooting, Cricket, Cross-Country Skiing*, Cruising, Cycling, Deep Sea Fishing, Dinghy Sailing, Fell Walking, Fencing, Fishing, Football, Go Karting, Golf, Grass Skiing, Gymnastics, Heli-Skiing*, High Diving, Hockey, Horse Riding (up to 7 days), Jet Boating, Jet Skiing, Jogging, Kayaking, Lacrosse, Land-Skiing*, Luging*, Mono-Skiing*, Netball, Off-Piste Skiing (must be with a guide)*, Orienteering, Paragliding, Parascending (over water), Pony Trekking, Racket Ball, Rambling, Roller Skating/Blading, Rounders, Rowing, Running, Safari (organised in the UK), Sail Boarding, Sailing (in coastal waters), Sand Boarding, Scuba Diving (max 30m), Skateboarding, Ski boarding*, Skiing*, Sledging*, Snorkelling, Snow Boarding*, Snow Mobile*, Squash, Surfing (under 14 days), Swimming (leisure), Tennis, Toboganning or Ice Skating*, Track Events, Trekking/Hiking (under 2000m altitude), Volley Ball, Water Polo, Water Skiing, White Water Rafting Grades 1-4, Windsurfing, Yachting (in coastal waters). * Winter Sports cover needs to be selected.
Significant Sections of Cover	Significant Benefits	Benefit Limits&Exclusions	Policy Reference
Medical Expenses	Provides cover for costs arising from your illness, injury or death during the trip. It also provides cover for someone to extend their trip and travel home with you or for one relative or friend to travel from the UK to stay with you provided this is deemed medically necessary and approved by our emergency assistance company. It also provides cover for you to return home following the death, serious injury or illness of a relative or business associate.	All medical treatment must be emergency treatment only. Medical cover does not apply if the trip is taken within the UK. Costs for outpatient treatment should be paid and claimed on your return to the UK. Where medical costs are likely to exceed £500, our emergency assistance team must be notified and agree the costs prior to treatment. An excess of £100 is applicable unless a discount has been obtained after presenting your European Health Insurance Card (EHIC) or other reciprocal agreement.	Section 1
Cancellation or Curtailment	Provides cover for travel and accommodation expenses which you have paid, or agreed to pay, under contract which you cannot get back if it is necessary to cancel or cut short your trip.	The cancellation or curtailment must be necessary and unavoidable and must fall within one of the 7 reasons listed in the policy. Where it is due to illness or injury, this must be certified by the treating GP.	Section 3
Personal Belongings	Provides cover for the loss, theft or damage of personal belongings during the trip.	A written report from the police or transport carrier is required in order to support a claim for loss, theft or damage. This must be obtained with 24 hours of the incident. The single article limit is £200. The valuable article limit is £400. Belongings must not be left unattended and cover for personal belongings stolen from an unattended motor vehicle, trailer or caravan is limited to £100. No cover is offered for accidental damage to valuable items.	Section 4
Personal Money	Provides cover for money lost or stolen during your trip.	A written report from the police is required in order to support a claim for loss or theft. This must be obtained within 24 hours of the incident. Cash must be held on your person or held in a safe or safety deposit box at all times.	Section 4.2

Period of Insurance

You have purchased a swiftcover.com insurance policy. Your trip(s) must begin and end in the UK.

Making a complaint

Swiftcover aims to provide the highest standard of service to every customer.
If our service does not meet your expectations, we want to hear about it so we can try to put things right.
All complaints we receive are taken seriously. The following will help us understand your concerns and give you a fair response.

Making your complaint

If your complaint relates to your policy, please contact the Swiftcover Help Team on 0871 271 0700.

If your complaint relates to a claim on your policy, please contact the department dealing with your claim.

Contact Details:
Customer Relations Manager
Swiftcover.com
9 Fudan Way
Stockton on Tees
TS17 6EN

Email: complaints@swiftcover.com

When you make contact please provide the following information:
Your name, address and postcode, telephone number and e-mail address.
Your policy and/or claim number, and the type of policy you hold.
The reason for your complaint.

Any written correspondence should be headed ‘COMPLAINT’ and you may include copies of supporting material.

Beyond Swiftcover

Should you remain dissatisfied following our final written response, you may be eligible to refer your case to the Financial Ombudsman Service (FOS).
The FOS is an independent body that arbitrates on complaints about general insurance products. You have six months from the date of our final response to refer your complaint to the FOS. This does not affect your right to take legal action.

If we cannot resolve your complaint you may refer it to the Financial Ombudsman Service at the address given below.

The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR

Tel: 0300 123 9123 or 0800 023 4567
Fax: 020 7964 1001
Email : complaint.info@financial-ombudsman.org.uk

Our promise to you

We will

• Acknowledge all complaints promptly.
• Investigate quickly and thoroughly.
• Keep you informed of progress.
• Do everything possible to resolve your complaint.
• Use the information from complaints to continuously improve our service.

'Cooling-off' Period

If this cover does not meet your requirements, you must notify swiftcover.com within 14 days of purchase of the policy. We will refund all premiums paid less our £5 administration fee within 30 days from the date we receive the notice of cancellation from you. We will not refund premiums if you have made a claim or travelled.

Compensation Scheme

In the event that AXA Insurance UK plc, is unable to meet their liabilities you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS).

Further information can be found in your policy under "Compensation Scheme".

Money held as agent for Insurer

All money collected from you by us will be held by us as agent for the underlying insurance undertaking. This includes all forms of cash transactions, including premium refunds and claims payments.

Advice

The advice given on your policy is provided from a single or limited number of insurance undertakings. The company is not contractually obliged to contract insurance intermediation in this way.

Insurance Provider

swiftcover.com insurance is underwritten by AXA Insurance UK plc.

Purpose of the Insurance

This insurance cover provides financial protection and emergency medical assistance for your trip.

Who Regulates Us?

Swiftcover and swiftcover.com are both trading names of AXA Insurance UK plc. Swiftcover general insurance policies are underwritten by AXA Insurance UK plc which is registered in England and Wales registered number 078950 and authorised and regulated by the Financial Services Authority, FSA number 202312. Registered address is 5 Old Broad Street, London EC2N 1AD. This can be checked on the FSA’s register by visiting the FSA’s website at www.fsa.gov.uk/fsaregister or by contacting them on 0845 606 1234.

Back