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Policy Summary - Keyfacts

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 are pregnant and your expected date of birth is within 20 weeks of the start or end date of your trip.

The claim is in relation to pregnancy and the insured has reached their 20th week of pregnancy.

The claim results from suicide, attempted suicide, depression, anxiety, mental strain, psychotic, mental or depressive illnesses of any type.

The claim is in connection with the use of alcohol or drugs.

Exclusion 6 of Section 1

General Exclusion 1f.

General Exclusion 20

General Exclusion 21

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'.

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, Kyaking, 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 £75 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 .

Your Right to Complain
Swiftcover.com always aims to provide a first class service. However, if you are not satisfied with our service, please contact the relevant person below: Claims Manager, Swiftcover.com, Waverley House, Farnham Business Park , Weydon Lane , Farnham, Surrey, GU9 8QT or by email at swiftclaims@inter-group.co.uk .

In the event you remain dissatisfied and wish to make a complaint, you can do so by contacting the following: Claims Manager, UK Underwriting Ltd, 2 Gibraltar House, Bowcliffe Road, Leeds, LS10 1HB.

If it is not possible to reach an agreement, you have the right to make an appeal to the Financial Ombudsman Service. This also applies if you are insured in a business capacity but have a group annual turnover of less than 1 million, or are a charity with an annual income of less than 1 million, or are a trustee of a trust with a net asset value of less than 1 million. You may contact the Financial Ombudsman Service at: The Financial Ombudsman Service, South Quay Plaza , 183 Marsh Wall, London E14 9SR. Tel: 0845 080 1800. Email: complaint.info@financial-ombudsman.org.uk .

Claim Notification
You can make a claim in a number of ways:

Log in to My Swift Space at swiftcover.com and select Make a Claim.
Email swiftclaims@inter-group.co.uk quoting reference IGCS 1802.
Write to Swiftcover Claims Team, Waverley House, Farnham Business Park, Weydon Lane, Farnham, Surrey, GU9 8QT quoting reference IGCS 1802.
Call 0871 271 2800 quoting reference IGCS 1802.

If the claim is in relation to Legal Expenses or Personal Liability the process is as follows:

Log in to My Swift Space at swiftcover.com and select Make a Claim.
Email swiftlegal@pandtlcm.com quoting reference IGCS 1802.
Write to Swiftcover Legal Claims Team, c/o P&T Liability Claims Management, UK Underwriting Limited, 2 Gibraltar House, Bowcliffe Road, Leeds LS10 1HB quoting reference IGCS 1802.
Call 0871 271 4020 quoting reference IGCS 1802.

'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 arranged by UK Underwriting Limited on behalf of the underwriters AXA Insurance .

Purpose of the Insurance
This insurance cover provides financial protection and emergency medical assistance for your trip.

Who Regulates Us?
Swiftcover Insurance Services Ltd, UK Underwriting Limited and AXA Insurance UK plc are authorised and regulated by the Financial Services Authority. This can be checked on the FSA’s register by visiting the FSA’s website at www.fsa.gov.uk/register/ or by contacting them on 0845 606 1234.

Swiftcover Insurance Services Limited is a wholly owned subsidiary of AXA UK plc which forms part of AXA Group. Our registered office is: 5 Old Broad Street, London EC2N 1AD. Company Number: 05298352.