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POLICY SUMMARY ? TRAVEL ACCIDENT INSURANCE ? ARRANGED BY AIG UK LTD
This policy summary does not contain full details and conditions of your insurance - these are located in your policy wording.
TYPE OF INSURANCE AND COVER
Personal travel accident insurance for you as an Egg Money World MasterCard Cardholder, your spouse or partner and your dependent unmarried children (please refer to the 'Meaning of words used in this policy' section of the policy wording.)
This insurance provides a range of financial benefits in the event of accidental bodily injury to you, your spouse or partner and your children while travelling as a fare paying passenger or in any hire car (please refer to the 'Meaning of words used in this policy' section of the policy wording.)
Please note that although travel accident insurance is free to you, it is not a substitute for standard travel / medical insurance.
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FEATURES AND BENEFITS
WHAT IS COVERED
If you have an Accident and suffer Bodily Injury which alone and within twenty four (24) months of the date of the Accident, causes death or permanent disabilities whilst:
- A fare-paying passenger whilst getting on or in, travelling on or in or getting off or out of Public Transport
- A passenger in a hire car with chauffeur
- A driver or passenger in a rented vehicle
- In an airport, seaport, railway station or bus station for the purpose of boarding Public Transport.
You can claim the appropriate benefit shown in the Table of Benefits, in the policy wording under 2. SCOPE OF INSURANCE.
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ELIGIBILITY
You are eligible for this cover if you are an Egg Money World MasterCard Cardholder and the cost of your trip has been totally or partially paid for with the card.
Significant or unusual Exclusions or Limitations:
The Insurer shall not be liable for death or disablement arising:
A) from suicide or attempted suicide or intentional self-injury or deliberate exposure to exceptional danger (except in an attempt to save human life) or from your own criminal act;
B) from flying, except as a fare-paying passenger and duties with the armed forces;
C) directly or indirectly from:
- sickness or disease, or
- natural causes, or
- medical or surgical treatment (unless rendered necessary following Bodily Injury covered by this insurance)
For full details of exclusions refer to 6. EXCLUSIONS under the heading Travel Accident Insurance within the main policy document.
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DURATION
Your cover will end when you notify us that you no longer wish to have an Egg Money World MasterCard. Please review this cover periodically to ensure that it remains adequate.
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CANCELLATION PERIOD
Cover is provided at no extra cost and is automatically included within the terms and conditions of your Egg Money World MasterCard, as such the policy can only be cancelled by cancelling the credit card.
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CLAIM NOTIFICATION
To register a claim contact 020 8662 8146
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MAKING YOURSELF HEARD
If you have any queries or complaints about this policy, or you feel that we have not kept our promise, please write to The Claims Manager, UNAT DIRECT Insurance Management Limited, 96 George Street, Croydon CR9 1BU. After doing this, if you are still not satisfied with the way your complaint has been dealt with, you may write to the Managing Director of UNAT DIRECT.
If you remain dissatisfied, you may refer your complaint to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR: Phone 0845 080 1800.
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FINANCIAL SERVICES COMPENSATION SCHEME (FSCS)
If AIG UK Limited are unable to meet our liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme.
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POLICY DOCUMENT ? TRAVEL ACCIDENT INSURANCE
Welcome to Your Egg Money World MasterCard Travel Accident Insurance.
This cover is free to all Egg Money World MasterCard Cardholders.
This Policy gives details of the insurance provided by AIG UK Limited, (and administered by AIG Direct), to Cardholders, (as defined below), provided premiums are paid by Egg.
1. MEANING OF WORDS USED IN THIS POLICY
The words set out below will, wherever they appear in this policy, have the following meanings;
Accident means an unforeseen and unexpected event which occurs at an identifiable time and place whilst the policy is in force.
Any Work Benefit means the benefit which will be paid if Bodily Injury disables the Insured Person to such an extent that the Insured Person is permanently prevented from doing any paid work whatsoever for the remainder of their life.
Bodily Injury means physical damage caused by an Accident.
Card means the card issued to the Cardholder by Egg.
Cardholder means the holder of an Egg Money World MasterCard nominated by Egg to be insured by this policy.
Children means the Cardholder?s and his/her spouse?s children under twenty one (21) years of age.
Insured Person means the Cardholder and/or his/her spouse and/or Children.
Insurer means AIG UK Limited.
Loss (in relation to limbs, thumbs, fingers or toes) means permanent severance or permanent and total Loss of Use of an entire hand, arm, foot, leg, thumb, finger or toe.
Loss of Sight means physical loss of an eye or the loss of a substantial part of the sight of an eye. A substantial part means that the degree of sight remaining after the Accident is 3/60 or less on the Snellen scale after correction with spectacles or contact lenses. (At 3/60 on the Snellen scale one can see at 3 feet something one should be able to see at 60 feet).
Loss of Use means permanent and total loss of use.
Public Transport means a train, tram, bus, ship, aircraft or taxi.
Operative Time means undertaking a journey totally or partially paid for in advance with the Card and being:
- a fare-paying passenger whilst getting on or in, travelling on or in or getting off or out of Public Transport
- a passenger in a hire car with chauffeur
- a driver or passenger in a rented vehicle
- in an airport, seaport, railway station or bus station for the purpose of boarding Public Transport
Travelling to and from an airport, seaport, railway station or bus station in any conveyance is also covered if the intended Public Transport journey has been totally or partially paid for in advance with the Card.
We, us, our means AIG UK Limited.
You or your means an Insured Person.
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2. SCOPE OF INSURANCE
We will pay the Benefit as shown in the table below if the Insured Person has an Accident during the Operative Time and suffers Bodily Injury which alone and within twenty four (24) months of the date of the Accident, causes death or permanent disabilities.
TABLE OF BENEFITS
- Accidental Death ? £100,000
- Any Work ? £100,000
- Total Loss of Sight in both eyes ? £100,000
- Total Loss of Sight in one eye ? £50,000
- Loss of two or more limbs ? £100,000
- Loss of one limb ? £50,000
- Total Loss of Sight in one eye and loss of one limb ? £100,000
The above benefits apply to the Cardholder. The Cardholder?s spouse will receive 50% of the above. The Cardholder?s Children will receive 25% of the above except for Accidental Death where a maximum of £5,000 is payable.
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3. GEOGRAPHICAL LIMITS
Worldwide.
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4. HOW TO CLAIM
You, or someone else on your behalf, must contact AIG Direct as soon as reasonably practical after any event happens which is likely to lead to a claim. You can do this by phoning 020 8662 8146 or by writing to 96 George Street, Croydon CR9 1BU. All certificates and information to support a claim must be supplied at the
Insured Person?s own expense.
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5. CONDITIONS AND LIMITATIONS
In the event of a claim the medical advisor(s) appointed by the Insurer shall be allowed to examine the Insured Person as often as may be required.
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6. EXCLUSIONS
No benefit for Bodily Injury or temporary incapacity will be payable:
- if it results from sickness or disease;
- if the Accident occurs in a country where a state of war exists (declared or not) if the Accident was the direct consequence of the war;
- if Bodily Injury is sustained while you are flying unless you are a fare-paying passenger;
- if you take a drug or drugs other than according to the manufacturer?s instructions or as prescribed by a registered medical practitioner;
- if you take a drug or drugs for the treatment of drug addiction;
- if your injuries are intentionally self-inflicted;
- if Bodily Injury is sustained whilst you attempt to commit suicide;
- if your Bodily Injury is sustained whilst directly involved in an unlawful act;
- if the Accident occurs whilst driving or in charge of a vehicle and your blood/urine alcohol level is above the legal limit stated in the laws of the country where the Accident occurs;
- if you deliberately or recklessly expose yourself to danger; or
- if it results from fibromyalgia, myalgic encephalomyelitis, chronic fatigue syndrome, post-traumatic stress disorder or any mental or nervous disorder for any losses from the Insured Person driving a rental vehicle if they are over sixty (60) years old.
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7. GENERAL PROVISIONS AND CONDITIONS
- Chartered flights are covered provided the ticket is purchased using the Card.
- The maximum period of any one trip is thirty (30) days, subject to General Provision and Condition 6 (below).
- A return trip constitutes two separate trips, for the purposes of this insurance.
- Death or disablement resulting from exposure to severe weather conditions will be considered to have been caused by accidental Bodily Injury.
- If an Insured Person disappears and after a suitable period of time it is reasonable to believe that death resulted from accidental Bodily Injury, the benefit as shown in the Schedule will be paid providing the Policyholder signs an agreement that if it later transpires that an Insured Person has not died, any amount paid will be refunded to us.
- If the Insured Person?s trip is not completed within the scheduled period due to circumstances beyond the Insured Person?s control, the cover provided by this policy will automatically continue until completion, up to:
- twelve (12) months for hi-jack, kidnap or similar terrorist or criminal act, or
- thirty (30) days under any other circumstances.
- Each Insured Person will, for the purpose of the policy, be regarded as being separately insured. The maximum number of Insured Persons on each trip is six (6).
- Any benefit will be paid to the Insured Person, or in the event of death, to the Insured Person?s legal representatives. Benefits for Children will be paid to the Cardholder.
- In no event will the production of more than one Card voucher evidencing a charge in whole or part of the fare or hire cost, obligate the Insurer to pay ? in respect of any Insured Person as a result of any one Accident ? more than one benefit nor shall the Insurer be liable for an amount greater than the sum of the benefit defined herein.
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8. CANCELLING THE COVER
This insurance will terminate when the Insured Person ceases to be a Cardholder or when the master policy is cancelled by Egg or us by giving the other party thirty (30) days written notice to their last known address. In this latter event, cover will continue to apply to any trip started before the date of cancellation.
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9. LAW AND JURISDICTION
This policy will be governed by the law that applies in the part of the territory where the policyholder normally lives unless agreed to the contrary by the policyholder and us before the effective date, otherwise the law of England and Wales will apply whose courts alone will have jurisdiction.
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IF SOMETHING GOES WRONG WITH OUR SERVICE
10. COMPLAINTS PROCEDURE
UNAT DIRECT Insurance Management Limited manages all aspects of customer service and claims for this policy on behalf of AIG UK Limited and is committed to providing you with a first-class service at all times. However, we recognise that occasionally you may be unhappy with some aspect of this service. If you want to make a complaint, please follow this complaints procedure which is designed to sort out any problem quickly.
Stage one
If your complaint is about our service, please contact the Manager of the Customer Services department at the address below and quote your policy number.
If your complaint is about a claim, please contact the Manager of the Claims department at the address below and quote your claim number.
We will do our best to sort out the problem within five working days. For complaints relating to claims, it may take us a little longer, especially if we need to consult medical professionals. We will, however, acknowledge your complaint and keep you regularly informed about the progress of your complaint.
Stage two
If your complaint cannot be sorted out to your satisfaction and we cannot agree a way to put things right, we will issue a letter which will set out the basis of your complaint and how we have tried to sort it out. This is called a final response letter. If it is necessary to issue a final response letter, we will issue this letter within
eight weeks from the date you first made your complaint. If we cannot issue it within this period, we will tell you why and when we will be able to respond.
Stage three
If you are not satisfied with our final response, you can ask the independent Financial Ombudsman Service (FOS) to review your case, without affecting your legal right to take action. The Financial Ombudsman Service may not be able to deal with your case until we have issued the final response letter, unless we fail to
issue the letter within eight weeks of your complaint being made.
Contact details
UNAT DIRECT Insurance Management Limited, 96 George Street, Croydon CR9 1BU
Phone: Manager, Customer Services Department ? 020 8662 8100
Manager, Claims Department ? 020 8662 8101
Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR
Telephone: 0845 080 1800
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OTHER INFORMATION
AIG UK Limited registered office: 58 Fenchurch Street, London EC3M 4AB. UNAT DIRECT Insurance Management administers this policy on behalf of AIG UK Limited. Both companies are authorised and regulated by the Financial Services Authority. You can confirm this with the Financial Services Authority at www.fsa.gov.uk/register or by calling 0845 606 1234.
AIG UK Limited is also a member of the Association of British Insurers. UNAT DIRECT Insurance Management Limited is registered in England number 3960626. Registered office: 96 George Street, Croydon CR9 1BU.
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