Insurance - Travel
We all seem to require travel insurance these days and some of the terms contained within travel insurance
jargon needs to be understood in order to make a successful claim.
A lot of travel insurance jargon is designed to trap people by limiting or restricting when the insurer
needs to pay out. Lost or stolen cash for example con only normally be claimed if it has been stolen from a safe or
on your person and even then if you were careless they will not pay out.
If you can understand the travel insurance jargon then you will certainly give yourself the best
chance of having a successful claim.
Travel insurance jargon
A sudden, unexpected, unusual, specific, violent, external event which results in a Loss.
A person aged 19 or over.
Services offered by the Medical Assistance Company including making suitable medical arrangements, assistance
for children at Home, advance for Bail Bonds, transmission of emergency messages.
The amount payable in respect of a covered claim.
Cancellation of the Trip resulting from an unforeseen occurrence.
A person aged 18 or under.
The loss adjusters named on the policy certificate.
Close Business Associate
A person working for the same company and in the same office as the Insured or Travelling Companion.
A legally married couple both aged under 65; a common law husband and wife both aged under 65; an adult couple
both aged under 65 who have been cohabiting for at least one year.
To cut short the Trip by returning Home earlier than the planned date of return.
Date of Issue
Date shown on the quote or policy certificate as to when it was issued.
The part of each and every claim which is the responsibility of the Insured.
A legally married couple both aged under 65; a common law husband and wife both aged under 65; a single parent;
an adult couple both aged under 65 who have been cohabiting for at least one year, with up to three children aged
18 years under (or 21 in full time education).
Something which is not covered by the insurance and relates to every section of the Policy.
The Insured being detained against their will by Hijack on an aircraft or sea vessel.
The Insured's place of residence in the British Isles.
The amount payable for each 24 hour period the Insured is a hospital in-patient.
Persons shown on the quote or policy certificate.
Costs incurred by the Insured in pursuit of legal proceedings against third parties.
Level of Cover
The amount up to which the Insured is covered under any particular Section of the Policy.
Loss (in Section 6)
Death, Loss of One or More Limbs or Both Eyes or Permanent Disability.
Loss of Both Eyes
The complete and irrecoverable loss of sight of both eyes.
Loss of Passport
Costs for temporary travel documents and reasonable travel and accommodation expenses necessarily incurred to
replace the Insured's lost or stolen passport.
Loss of One or More Limbs
Loss by physical severance of a hand at or above the wrist or a foot at or above the ankle.
Medical Assistance Company
The assistance company named on the policy Certificate.
Arriving at the British Isles or International departure point too late to commence the Trip as booked.
Money and Documents
Bank and currency notes, coins, travel and admission tickets, accommodation and meal vouchers, petrol coupons
for private purpose.
Period of Insurance
The time and date in which the insurance is effective.
Disability caused directly from an Accident which results in incapacitation for 12 or more consecutive months
Death or permanent disability.
Baggage and Property
Personal property taken or purchased on the Trip by the Insured.
Legal liability for accidental injury to a third party and/or accidental damage to their property.
Where skiing is prohibited for a period in excess of 12 hours.
Spouse, fiance(e), parent, parent-in-law, brother, brother-in-law, sister, sister-in-law, son-in-law,
daughter-in-law, child, grandchild.
Repatriation (in Section 3)
Returning Home as a result of accidental injury or illness.
Skis, ski sticks, ski bindings, ski boots, snowboards.
Ski equipment hired due to loss, damage or delay of the Insured's ski equipment.
Unused ski pass, ski hire or tuition fees resulting from accidental injury, sickness or loss/theft of ski
Something which is not covered by the insurance and relates only to a particular section of the Policy .
Geographical areas or countries shown on the quote or policy certificate.
The delay of a flight or English Channel crossing.
The person whom the Insured has booked to travel with.
Period of travel.
Unexpected happenings (as listed in Policy Terms and Conditions) which lead to the cancellation or curtailment
of a Trip.
Cameras, photographic apparatus, video equipment, stamps, documents, dentures, hearing aids, furs, binoculars,
tape recorders, cassettes and players, radios, compact discs and players, computers and accessories, mobile phones,
video games and TV sets.
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