General Conditions

The following conditions apply to this insurance:

1. All material facts must be disclosed to us at the time of taking out this policy. Failure to do so may mean we are not liable for any claim and we regard your actions as fraudulent. If you are in any doubt as to whether a fact is "material" then for your own protection, it should be disclosed. All information provided in purchasing this insurance shall form the basis of the contract. You should keep a record (including copies of letters and emails) of all information provided to Swiftcover for the purpose of entering into this contract.
2. You must tell us as soon as possible about any change in risk which affects your policy, including you, a person you are travelling with, a close business associate or relative receiving confirmation of a medical condition or currently being under medical investigation, change in the sporting or leisure activities you intend to participate in during your trip or any additional person(s) insured under the policy. We reserve the right to reassess your policy and premium once you have advised us of any relevant information. If you do not advise us of all the relevant information then we may quote the wrong terms, reject or reduce your claim and we will regard your actions as fraudulent.
3. We will not pay for any loss or damage caused as a result of you not acting in a reasonable way to look after your property.
4. You must take all reasonable steps to recover any lost or stolen articles and you must help the authorities in their efforts to catch and prosecute any guilty people.
5. You must take all reasonable steps to avoid or reduce any loss which may mean that you have to make a claim under this insurance.
6. You must keep to all the terms, conditions and endorsements of this insurance. If you do not, we may turn down your claim.
7. You must help us recover any cost or expenses that we have paid from anyone or from other insurers (including the Department of Social Security) by giving us all the details we need and by filling in any forms.
8. We may, at our own expense, take proceedings in your name to recover compensation or secure an indemnity from any third party in respect of any loss or damage covered by this insurance and any amount recovered shall belong to us.
9. You must give the Swiftcover Claims Team all the documents they need to deal with any claim. You will be responsible for any costs involved in doing this.
10. You must keep any articles which are damaged and send them to Swiftcover Claims Team if they ask. You must pay any costs involved in doing this.
11. You must agree to have a medical examination. If you die, we are entitled to have a post mortem examination. You or your legal representatives are responsible for any costs resulting from these examinations.
12. You must pay us back, within one month of asking, any amounts that we have paid to you which are not covered by this insurance.
13. We will not cover you, if at the time of loss damage or liability arising under this insurance there is any other insurance covering the same loss, damage or liability. We will only pay our share.
14. You must submit any claim to us within 31 days of your trip ending.
15. You may not transfer your interest in this insurance.
16. No refund of premium is allowed (other than in respect of the 14-day premium refund) once this insurance has been effected.
17. You must not act in a fraudulent manner, including if you or anyone acting for you:
    • make a claim under the policy knowing the claim to be false or fraudulently exaggerated in any respect;
    • make a statement in support of any policy or claim knowing the statement to be false in any respect;
    • made a false declaration when you incepted the policy or made any subsequent amendment to the policy or advised of a claim;
    • submit a document in support of any policy or claim knowing the document to be forged or false in any respect;
    • make a false declaration to the police regarding your insurance;
    • commit a fraud on any other policy that we insure; or
    • make a claim in respect of any loss or damage caused by your wilful act or with your collusion, then at our option we:
    • will not pay any claim that has been or will be made under the Policy;
    • will be entitled to recover from you the total amount of any claim already paid under the Policy plus any recovery costs;
    • will cancel the policy or declare it void from inception, not make any return of premium and also recover any unpaid premium;
    • will regard any other policy that we provide and with which you are connected as fraudulent;
    • will inform the police of the circumstances.