Security Delay Insurance Policy Summary
Please read this document carefully. It sets out a summary of the key features of cover provided by this insurance. Please note, the full terms, and conditions of this insurance are detailed in the policy document.
The Insurer
The insurance provided is underwritten by Professional Travel Insurance Company Limited.
Type Of Insurance And Cover
Cover is provided for additional costs incurred for a journey as a result of a terrorist incident/security alert.
Significant Features And Benefits
The following significant features and benefits are a summary only and you should also refer to the policy wording and other policy documentation for full details, as limitations, conditions and exclusions may apply.
Policy Cover
The following benefits are available depending upon the cover option you choose:
- Alternative Re-Ticketing costs incurred to obtain alternative outbound and / or return ticket(s), where the original tickets could not be used because of delay, to enable you to continue your journey.
- Additional Travel costs incurred by you and all those travelling on the same policy to get to an alternative place of departure in order to continue your journey.
- Overnight Accommodation incurred for the cost of a room and breakfast only for overnight accommodation necessitated by a delay, at a hotel or other premises licensed for the purpose of accommodating paying guests.
- Subsistence Allowance for the cost of food, drink, and essential emergency personal items purchased/consumed during the delay period.
- Excess Car Parking incurred in excess of the charges that would have been incurred if the journey had not been delayed, resulting from a vehicle owned, hired or leased by you remaining at a public car park or other premises licensed for use as a vehicle parking facility.
Further details of the cover options available to you, including the maximum benefit amounts, are given in the schedule.
Significant Exclusions
The most significant policy exclusions are:
- Subsistence Allowance excludes alcoholic drinks or tobacco products purchased/consumed by you.
- Alternative Re-Ticketing will be covered on the same class of travel (or lower if not available) of your original documented class of travel. i.e. economy - economy class, business - business class or Business - economy class, etc.
- Any costs incurred within the first 6 hours of any delay.
- Any costs incurred when the journey involves travel to or from any country or parts of a country where the UK Foreign and Commonwealth Office have advised against travel of any kind at the date of travel, see www.fco.gov.uk – tel +44 (0) 207 008 0232/0233.
- Any costs incurred where you do not have a valid receipt dated as to the day and time.
- Any costs incurred where you do not have written evidence of the Terrorist Event or Threat Thereof from the carrier or tour operator to confirm the day, time, length and reason for the delay applicable to the claim.
- Any costs that are less than the Policy Excess excluding subsistence claims.
- Any costs reimbursed or paid for by the carrier or tour operator.
- Any costs incurred as a result of your disinclination to travel.
Cancellation Rights
You may have a right to cancel up to 14 days from the date you receive the policy document directly from the website. Cancellation rights are also confirmed in the policy schedule. Should you decide to exercise this cancellation right you will be entitled to a refund of premium provided that you have not commenced your trip. If this cancellation right is not exercised within the 14 day period as stated above, no amount of the premium paid will be refunded. To exercise the cancellation right, you must return your insurance documentation to Totally Insured Travel Limited and follow their further instructions.
Claims
Please contact:
Claims Settlement Agencies Limited
P.O. Box 189
Benfleet
SS7 9BP
Tel. +44 (0) 870 894 0004 or +44 (0) 208 256 6060
Fax. +44 (0) 870 890 3879 or +44 (0) 208 256 6062
E-mail. Claims1@pticlaims.com
Complaints
If you have any questions or concerns relating to this Insurance, please contact:
Totally Insured Travel Ltd.
Suite 4a
Abbey Walk
Church Street
Romsey
SO15 8JQ
0870 240 8892
info@totallyinsuredtravel.com
or,
Professional Travel Insurance Company Limited’s Representative,
11 Century House,
Priestley Road,
Basingstoke,
Hampshire
RG24 9RA.
Compensation Arrangements
You may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) in the event that your insurers do not have enough money to pay a claim. The FSCS can pay up to £2,000 for the first part of your claim and 90% of the remainder of the claim. Further information about compensation scheme arrangements is available from the FSCS.
DIRECTIVE REQUIRED INFORMATION
Information About The Insurer
This insurance is underwritten by Professional Travel Insurance Company Limited (PTI), whose registered address is:
Suite 935, Europort, P.O. Box 793 Gibraltar
PTI are registered in Companies House (Gibraltar) Ltd, 317 Main Street, P.O. Box 848, Gibraltar. Reg no. 33927
PTI is authorised and regulated by the Financial Services Commission (FSC) in Gibraltar. The FSC holds a register of all regulated firms on its website (visit www.fsc.gi)