| Travel Insurance |
| Specially
arranged for Erna Low by MPI Brokers |
We have chosen MPI Brokers for
our customers insurance. The insurance is underwritten by Optimum
Underwriting Ltd as underwriting agents of Groupama one of the larger
insurance companies in the UK and Europe.
All claims and medical assistance are handled by the Cega group, well
known for their experience in helping and where necessary repatriating
injured travellers.
We have listed below some of the reasons for taking out an Erna Low
policy:-
|
|
* Experienced Claims
Handling |
|
* 24 hour medical
and repatriation assistance |
|
* Physiotherapy in
the UK |
|
* Good levels of
cover under each section |
|
* Competitive
premiums |
|
* Only one company
to deal with when making a claim |
|
* RAC Motoring
Insurance |
| Below is a
list of the sections of cover, sums insured and excesses |
| Section |
Sum
Insured |
Excesses |
| Medical |
£2,000,000 |
£50 |
| UK Physiotherapy |
£600 |
|
| Hospital Benefit
(per night) |
£500
(£30) |
Nil |
| Cancellation or Curtailment |
Up
to holiday cost |
£50
(£15 LOD*) |
|
Maximum |
£2,000 |
|
| Missed Departure &
Delayed Arrival |
£500 |
Nil |
| Delayed Departure |
£20/£10/£100 |
Nil |
|
or Abandonment |
Up
to holiday cost |
£50 |
| Baggage |
£1,500 |
£50 |
| Single Article Limit |
£200 |
|
| Valuables |
£200 |
|
| Delayed Baggage |
£150 |
|
| Money |
£250 |
£50 |
| Passport Indemnity |
£250 |
Nil |
| Public Liability |
£2,000,000 |
£250
PD** |
| Legal Expenses |
£10,000 |
Nil |
| Personal Accident |
£20,000 |
Nil |
|
Inconvenience Cover |
£750 |
Nil |
|
RAC European Motoring Assistance Underwritten by RAC Insurance Ltd |
|
RAC European
Motoring Assistance
Underwritten by RAC Insurance Ltd |
| The last thing you want when motoring abroad is to break down in an unfamiliar country and not know who to call for help, or how to make yourself understood. You won’t need to worry with RAC European Motoring Assistance. If you break down, simply call the English-speaking Incident Managers at any time and they’ll make sure you get going again. You can relax and really enjoy driving through Europe, safe in the knowledge that RAC will be there for you. |
|
Service While Abroad
|
|
Section
|
Limitation |
|
Roadside
Assistance
|
|
|
Spare Parts Dispatch
|
|
|
Additional Accommodation Expenses
|
£30 per person per day
|
|
Journey Continuation or Return Home
|
Up to 14 days car hire or 2nd class rail fare
|
|
Replacement Driver
|
|
|
Vehicle Break-in, Emergency Repair
|
£175
|
|
Accidental Damage to or Loss of Tent
|
£30 per person per day
|
|
Urgent Message Relay Service
|
|
|
Vehicle Repatriation to UK
|
Limited to the value of the vehicle
|
|
Customs Claim Indemnity
|
|
|
Service After Return Home |
|
Collection of Vehicle Left Abroad for Repair
|
£600
|
|
Motoring Legal Expenses Insurance
|
£50,000
|
|
| The
Premiums |
|
Any Period |
RAC |
| Adult / Car |
£20 |
£40 |
| Children |
£10 |
|
| Family |
£49 |
|
|
|
* Includes insurance tax at 17.5% (5% RAC) |
|
* Infants 2 or under on the date of booking are covered free of charge provide an adult is also insured under this scheme. |
|
* Children are under 18 on the date of booking. |
|
* A family constitutes 2 adults and up to 4 children, not necessarily related, under 18 on the date of booking. |
|
* Those aged 65 years and over on the date of booking incur a double premium. |
|
* Maximum 17 Days. |
|
* Cars max 10 years old. |
|
* Trailers plus 50% premium. |
| Pre-existing
medical disclosure |
There are exclusions relating to pre-existing medical conditions and we urge you to read the policy carefully to establish whether a pre-existing condition is excluded.
Should this be the case and you would like consideration to be given to include your medical condition, please contact MPI Brokers on 01428 664363 who will ask you a number of questions relating to your condition and if necessary refer you to a specialist medical screening unit at
Cega. |
| Excesses
for multi section claims |
If your claim falls under more than one section arising out of the same incident, only one excess shall be deducted per person, the higher amount being applied.
For cancellation claims, only two excesses will be deducted for a family. |
|
|
| A.B.I.
Code of Selling Practice |
| Under the Association of British Insurers General Code of Practice, we must draw your attention to some important features of your insurance, including: |
|
1. Insurance document You should read this carefully. It gives full details of what is and is not covered and the conditions of the cover. |
|
2. Conditions and Exclusions Specific conditions and exclusions apply to individual sections of your insurance, whilst general exclusions and conditions will apply to the whole of your insurance. |
|
3. Health This insurance contains restrictions regarding pre-existing medical problems concerning the health of the people travelling and of other people upon whose health the trip depends. You are advised to read the document carefully. |
|
4. 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. |
|
5. Limits This insurance has limits on the amount the insurer will pay under each section. Some sections also include other specific limits, for example, for any one item or for valuables in total. |
|
6. Excesses Under some sections of this insurance, claims will be subject to an excess. This means you will be responsible for the first part of any claim. |
|
7. Reasonable care You need to take all reasonable care to protect yourself and your property, as you would if you were not insured. |
|
8. Date Change Exclusion Your policy excludes anything directly or indirectly caused by the failure of any computer hardware or software or any other electrical equipment to recognise or process any date as the true calendar date. |
|
9. Dangerous sports and pastimes If you are going to take part in dangerous sports or pastimes (other than skiing) where there is an inherent risk of injury, check that this insurance covers you. |
|
10. Customer service We pride ourselves in providing a high level of service. However if you think we have not lived up to your expectations, please refer to the wording, which outlines our complaints procedure. |
|
11. Cooling off period This insurance contains a 14 day 'cooling off' period during which time you may opt out. |
