ABI CODE OF PRACTICE

Under the Association of British Insurers General Business Code of Practice, we must draw your attention to important features of your policy including

Policy Document/Insurance Certificate

You should read the document carefully. It gives you full details of what is and what is not covered and the conditions of the cover. Cover will vary from policy to policy and insurer to insurer.

Conditions, Exclusions & Warranties

Conditions & exclusions will apply to individual sections of your policy while general exclusions, conditions and warranties will apply to the whole of your policy.

Date Change Exclusions

Changes in dates, and particularly the change of century, could see widespread failure of computer and other systems containing computer chips, which depend on date-related information in order to work properly. Other than Medical Expenses, your certificate excludes anything directly or indirectly caused by failure of any computer hardware or software or other electrical equipment to recognise or process any date as the true calendar date.

Health

The certificate contains conditions relating to the health of the people travelling and others upon whose well being the trip may depend. It may be that you are required to disclose known medical conditions of such people prior to cover being issued and you must be aware that failure to disclose such information will prejudice your position. You are advised to read the policy carefully.

Hazardous Activities

The certificate may not cover you when you take part in certain hazardous activities. If you want cover for such activities you may need to arrange a specialist insurance.

Property Claims

These claims are paid based on the value of the goods at the time you lose them and not on a 'new for old' or replacement cost basis, unless otherwise stated in your policy. Your policy will set out what proof the insurer needs to support a claim.

Certificate/Policy Limits

Most sections of your policy have limits on the amount the insurer will pay under that section. Some sections also include other specific limits, for example for any one item or for valuables in total. You are advised to check your policy if you intend taking expensive items with you.

Certificate/Policy Excesses

Under most sections of the policy, claims will be subject to an excess. This means that you will be responsible for paying the first part of the claim. The amount you have to pay is the excess.

Reasonable Care

You are required to take all reasonable care to protect yourself and your property and to act as though you are not insured.

Fraudulent Claims

Your insurer may be recording details of claims on an anti-fraud register. The making of a fraudulent claim is a criminal offence.

Medical Expenses

The certificate does not provide private health treatment unless specifically approved by the emergency service.

Complaints

The insurance certificate/Policy includes a Complaints Procedure that tells you the steps you need to take if you wish to make a complaint.

Cooling Off Period

Your policy may have a "cooling off" period during which you can cancel the policy and get a refund, if you have a justifiable reason for being dissatisfied with the cover provided.

UK law allows the parties to choose the law applicable to the contract. The contract will be subject to English Law unless otherwise agreed.

We will tell you who your insurer is. The name of your insurer will also be shown on the insurance documents you receive.

Further Information

If you would like further information, ask us, particularly if you feel the insurance may not meet your needs. This document is not a substitute for your insurance policy. Please make sure you read your policy carefully.