Your Contract of Insurance

This policy and the information you have provided to us form the contract of insurance. You are required to update us with any changes to your information either via My Swift Space, by emailing or calling us. Your policy is also subject to certain conditions and exclusions.You must meet these otherwise we may not accept any claim. In return for your premium, we will provide the cover shown in your policy for accident, injury, loss or damage that happens within the territorial limits during the period of insurance.

This policy shall be governed by and construed in accordance with the Law of England and Wales unless the policy holder’s habitual residence (in the case of an individual) or central administration and/or place of establishment is located in Scotland in which case the law of Scotland shall apply.

Health
Your insurance contains conditions that relate to your health and the health of others who might not be travelling with you and whose well being your trip may depend on. In particular we will not cover medical problems which you or they had before the cover started.

Hazardous activities
You may not be covered if you take part in any sporting or leisure activities that are not listed in the ‘Acceptable Sports and Leisure Activities’ list. You must check with Swiftcover that this insurance meets your needs.

Eligible persons
Each person must have been resident in the UK for at least 6 out of the last 12 months prior to purchasing this policy. The maximum age at the date of departure on a Single Trip policy is 64 years of age (74 years of age for a member) and the Annual Multi-trip policy is 64 years of age (69 years of age for a member).The maximum age at the date of departure on a Gap Year policy is 34 years of age (39 years of age for a member).