Insurance

SPECIALIST TOURS & ACTIVITIES INSURANCE

Arranged by NJ HERITAGE PARTNERSHIP LTD 308-314 London Road, Hadleigh Benfleet, Essex. SS7 2DD

This Policy Document contains details of the Travel Insurance Scheme underwritten by International Insurance Company of Hannover Limited. (IICH). Registered in England No. 1453123. Registered Office: L’Avenir, Opladen Way, Bracknell, Berkshire RG12 0PE is authorised and regulated by the Financial Services Authority. Registration No 202640. This can be checked on the FSA’s register by visiting the FSA’s website at www.fsa.gov.uk or by contacting them on 0845 606 1234. Cover applies to each Insured Person named on the booking invoice or validation certificate. The cover and limits will apply to each Insured Person who has paid the appropriate premium.

IMPORTANT- Your personal insurance number is the same as your booking invoice number or validation certificate number. Please note your personal insurance number prior to travel. This Policy Document and booking invoice or validation certificate showing the Insurance Premium, inclusive of tax where applicable, is all that we will issue to you. Please ensure that you retain these original documents and carry them with you when travelling as you will need to submit them in the event of a claim arising.

PRE-EXISTING MEDICAL CONDITIONS COVER IS EXCLUDED FOR ANY DEFINED PRE-EXISTING MEDICAL CONDITION. IF IN DOUBT PLEASE CALL OUR MEDICAL SCREENING HELPLINE, IN CONFIDENCE ON TELEPHONE NO: 0844 826 2700

The medical screening helpline may be contacted between 09.00 and 17.00 Monday to Friday and 10.00 to 16.00 on Saturdays. The medical screening helpline is optional for those persons wishing to establish if additional cover may be offered to include Pre-Existing Medical Conditions. You will be asked for your personal and travel details. Please have your individual policy number to hand if known. You will be advised whether the Pre-Existing Medical Condition may be covered, an optional additional premium may be quoted and whether any amendments will be made to the policy terms and conditions. If terms can be provided for the condition and you elect to take up the offer of the additional cover, you will be given a medical screening reference number and a letter will be sent to you upon receipt of payment. Any additional premiums must be paid directly to the medical screening company and not the company you are arranging your travel insurance with

Should you not wish to take advantage of the optional terms quoted by the medical helpline, cover for the Medical Condition in question will be excluded. If there is a change to your health which arises between the date of purchasing the policy and the planned date of departure please contact the medical screening helpline for further advice, in order to establish if the change in your health will affect your cover under this insurance.

There is no cancellation or curtailment cover for a Pre-Existing Medical Condition of persons not necessarily travelling but upon whom travel depends, such as a Close Relative, unless disclosed to the medical screening helpline and additional cover agreed.Definitions of a Pre-Existing Medical Condition: Means

a) Any respiratory condition (relating to the lungs or breathing),heart condition, stroke, Crohn’s disease, epilepsy, allergy, or cancer for which you (or any other person not necessarily travelling but upon whom travel depends such as a Close Relative) have ever received treatment (including surgery, tests or investigations by your doctor or a consultant/specialist or prescribed drugs/medication).

b) Any Medical Condition for which you (or any other person not necessarily travelling but upon whom travel depends such as a Close Relative) have received surgery, in-patient treatment or investigations in a hospital or clinic within the last twelve months or taking prescribed drugs or medication.

Please also see General Exclusion 9 for additional details of other excluded Medical Conditions.

CHANGE IN YOUR CIRCUMSTANCES

If after taking out this insurance you become aware of any circumstances that may give rise to a claim such as changes in your health or that of a person on whom this insurance may depend (e.g. a Close Relative) you must contact us and tell us about the changes as soon as reasonably possible and prior to any trip.

Please note that you must contact us promptly regarding the change and are responsible for all costs incurred in obtaining any medical reports required by us. If you do not contact us within 7 days of the change of circumstances, you will be responsible for any increased costs incurred as a result of the delay in cancelling your trip and we will only pay the costs that would have applied had you cancelled your trip within 7 days of the date of the change of circumstances giving rise to the claim. For advice and assistance, please contact the Health Check Line.

MEDICAL EMERGENCIES
SPECIALTY ASSISTANCE EMERGENCY MEDICAL SERVICE is available 24 hours a day 365 days a year IMMEDIATE CONTACT MUST BE MADE with SPECIALTY ASSISTANCE in the event of death or injury or illness necessitating any of the following:

(i) HOSPITALISATION
(ii) REPATRIATION
(iii) ALTERATION TO TRAVEL PLANS
(iv) CURTAILMENT OF TRAVEL

SPECIALTY ASSISTANCE LTD
TEL: +(44) (0) 20 7902 7405 FAX: +(44) (0) 20 7928 4748

Please note, the Insured Person’s failure to contact Specialty Assistance may result in their claim being reduced or declined. Private medical treatment is not covered unless authorised by Specialty Assistance.

Be prepared to give your:

(a) booking invoice or validation certificate number.
(b) name and address of agent or tour operator from whom insurance was purchased. 
(c) dates of outward and return travel (tickets/itinerary). 
(d) details of problem including name and address of patient and nature of illness/accident.            (e) name and telephone number of hospital and attending doctor.
(f) details of usual GP.

Please note, should you require medical treatment in Europe you must have a valid Health Insurance Card or in Australia you MUST enrol with

MEDICARE.
Specialty Group Limited, trading as Specialty Assistance, 5-11 Lavington Street, London SE1 0NZ, is authorised and regulated by the Financial Services Authority. Their registration number 310533 can be checked on the FSA's register by visiting the FSA's website at www.fsa.gov.uk or by contacting them on 0845 606 1234.

HOW TO MAKE A CLAIM

Claims Procedure
Notice must be given within 45 days of the date of occurrence of any claim under this Insurance. To notify a claim and request a claims form please contact the claims handlers:

Claims Settlement Agencies
308-314 London Road, Hadleigh, Essex SS7 2DD
Tel: 0844 826 2644 Fax: 0844 826 2645
Email: info@csal.co.uk

CSA is authorised and regulated by the Financial Services Authority. Their registration number 309264 can be checked on the FSA’s register by visiting the FSA’s website at www.fsa.gov.uk or by contacting them on 0845 606 1234.

GENERAL ENQUIRIES

If you have any general queries concerning this Insurance, or if there is anything you do not understand, please contact the Insurance Brokers who arrange the scheme: N J Heritage Partnership Ltd, 308-314 London Road, Hadleigh, Benfleet, Essex SS7 2DD – Telephone No. 0844 826 2727

SCHEDULE OF COVER AND LIMITS OF INDEMNITY PER INSURED PERSON
Policies issued from 1st April 2010
In respect of trips commencing before 31st March 2011