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about CheapTravel insurance
Policy Summary
This policy summary does not contain the full terms and conditions of the cover. Full terms
and conditions can be found in the policy document.
Insurer
The insurer of this policy is Europ Assistance Holding Irish Branch. Benefits and services
under this policy are provided by Europ Assistance Holdings Limited.
Type of insurance and cover provided
This is a policy of personal travel insurance which provides cover, subject to certain terms
and conditions, for losses as a result of specified events which may occur before or during a
trip including cancellation, loss of baggage, medical expenses.
Eligibility requirements
To be eligible for this insurance, the following requirements must be met:
You must habitually reside in the United Kingdom (i.e. have Your main home
in the United Kingdom and have not spent more than 6 months abroad in the year prior to
purchasing the policy)
At the commencement of the Period of Insurance, not be more than 80 years
of age for single trip policies, not more than 75 years of age for Annual multi trip policies
to Europ or not more than 65 for any other Annual multi trip policy and not more than 49
for Backpacker policies.
Significant features and benefits
Your policy includes the following benefits which are explained in detail in the policy
document:
Policy Section Limit of Policy Limit of Policy Limit of Policy
Cover per Excess Cover Excess Cover per Excess
person per person
(Standard) person (Backpacker)
(Super)
1. Personal Assistance
Provides help to replace
lost travel documents, or Up to £250 Up to £250 Up to £250 per
Nil Nil Nil
prescription medication, per trip per trip trip
trace luggage or to transfer
emergency funds.
2. Medical Emergency &
Repatriation
If you have a sudden and
Up to Up to
unforeseen accident or £1,000,000
£75
£10,000,000
£50 up to £3,000,000 £75
illness during your trip we
will pay for your reasonable
medical expenses and the
costs of bring you back to
the UK.
3. Emergency Dental
Treatment
We will pay for the cost of
Up to £200 £75 Up to £200 £50 Up to £200 £75
providing temporary
treatment for the immediate
relief of pain
4. Additional
Accommodation &
Travelling Costs
We will pay for the Up to
Up to £1,000 Nil Nil Up to £1,000 Nil
additional accommodation £1,000
and travelling costs of
anyone medically required
to accompany you home
5. Hospital Daily Benefit
We will pay you a daily
£25 per day £25 per day £25 per day up to
benefit per complete day of up to £1,000
Nil
up to £1,000
Nil
£1,000
Nil
in-patient treatment up to a
maximum amount.
6. Cancellation,
Curtailment & Trip
Interruption
We will pay for the costs of
your trip if you have to
cancel because of the
unforeseen illness or death
of you or a close relative, or
if your presence is required £75 / £20 £50 / £20 £75 / £20
Up to
in the UK because you are Up to £1,000 Loss Of
£3,000
Loss Of Up to £1,000 Loss Of
called up on jury service, Deposit Deposit Deposit
subpoenaed as a witness in
a court of law, or your
home has been severely
damaged, or you are made
redundant, or you are
compulsorily quarantined,
or if you cancel after a 12-
hour delay.
7. Travel Delay
We will pay a benefit if the
departure of your first
outward or final inward £20 per day £20 per day
Nil Nil N/A N/A
international transport is up to £200 up to £200
delayed for more than 12
hours beyond the intended
departure time
9. Missed Departure on
the Outward Journey
We will pay reasonable
additional travelling and
accommodation expenses
necessarily incurred to
Up to £300 £75 Up to £600 £50 N/A N/A
reach your booked
destination because of
failure of public transport,
or breakdown of or accident
to the private vehicle in
which you are travelling.
10. Personal Luggage
If your luggage is lost,
stolen or damaged we will £75 Up to £50
Up to £500 Up to £750 £75
pay for the cost of £2,000
replacement (less wear,
tear and depreciation).
· Single article, or Pair or Up to £300 £75 Up to £300 £50 Up to £150 £75
Set of articles
· Valuables
(Limited to £100 if Insured Up to £300 £75 Up to £300 £50 Up to £200 £75
Person is under 16)
11. Luggage Delay
We will pay a benefit to
purchase essential items if £25 Nil £75 Nil N/A N/A
your luggage is delayed on
your outward journey
12. Money & Passport
We will cover you for the
loss of money you are
carrying on your person or
which you have left in a
Up to £100 £75 Up to £500 £50 £75
safety deposit box. Up to £200
If you lose your passport
we will pay for reasonable
travel and accommodation
costs incurred in replacing
it.
· Cash N/A N/A Up to £100 £20 Up to £120 £20
If Insured Person is under 16 N/A N/A Up to £50 £20 Up to £50 £20
13. Personal Liability
If you become legally liable
for accidentally injuring any
person or damaging their
property, we will cover you Up to Up to
£100 £100 Up to £1,000,000 £100
against all sums which you £1,000,000 £2,000,000
become legally liable to
pay and all costs awarded
to the claimant or incurred
in defending the claims
14. Personal Accident
Covers you for loss of life,
limb or sight that occurs
during the trip after an
accident.
· Death £10,000 Nil £25,000 Nil £15,000 Nil
If the Insured Person is aged £3,000 Nil £3,000 Nil £3,000 Nil
under 16 or over 65
· Loss of one or more
Limbs, or total and
£10,000 Nil £25,000 Nil £15,000 Nil
irrecoverable Loss of Sight in
one or both eyes
· Permanent Total £10,000 Nil £25,000 Nil £15,000 Nil
Disablement
If the Insured Person is aged £1000 Nil £1000 Nil £1000 Nil
over 65
15. Legal Protection
If you suffer death, illness
or injury during your trip
and decide to take legal Up to Up to
£200 £200 Up to £10,000 £200
action in pursuit of £10,000 £25,000
compensation, we will pay
for agreed legal costs and
additional travel expenses.
16. Hijack
£50 per day £100 per
Covers you if your aircraft
up to a day up to a
or sea vessel is hijacked for maximum of maximum of
more than 24 hours. £1000 Nil £2000 Nil N/A N/A
Optional Winter Sports cover Your policy can be extended to cover certain winter sports on payment of
an additional premium (only available if you are under 65 years of age)
17. Cancellation or £75 /
£50 / £20 £75 / £20
Curtailment Up to £1,000 £20 Up to £3,000
LOD
Up to £1,000
LOD
In addition to Section 6 LOD
cover includes financial
loss from unused ski
passes, ski-school fees
and unused ski-pack if you
are certified as unable to
ski.
18. Skis, Ski Equipment
and Ski Pass
In addition to Section 10
we will pay if the ski Up to £500 £75 Up to £500 £50 Up to £500 £75
equipment owned or hired
by you, or your ski-pass is
lost or damaged.
· Ski Pass Up to £250 £75 Up to £250 £50 Up to £250 £75
19. Luggage Delay
In addition to Section 11 £15 per day £15 per day
£15 per day up
we will pay a benefit for the up to a up to a
Nil Nil to a maximum of Nil
hire of replacement skis if maximum of maximum of
£300
your luggage is delayed on £300 £300
your outward journey
20. Piste Closure
We will pay a benefit if lack £20 per day £20 per day
£20 per day up
up to a up to a
of snow prevents you from maximum of
Nil
maximum of
Nil to a maximum of Nil
skiing for more than 24 £200
£200 £200
consecutive hours.
21. Avalanche or
Landslide
If access to and from a ski £30 per day £30 per day
£30 per day up
up to a up to a
resort is blocked we will maximum of
nil
maximum of
nil to a maximum of nil
pay a benefit toward £150
£150 £150
reasonable extra travel and
accommodation costs
Optional Special Sports & Activities cover Your policy can be extended to cover special sports &
activities on payment of an additional premium
22. Medical Emergency
(Special Sports &
Activities Extension)
We will pay for the fees £75 /
Up to £750 Up to £750 £50 / £250 Up to £750 £75 / £250
charged by specialist local £250
rescue organisations for
search, rescue and transfer
to hospital.
23. Personal Luggage
(Sports Gear & Activity
Equipment)
We will pay if your sports
gear/equipment is Up to £500 £75 Up to £500 £50 Up to £500 £75
damaged, lost or stolen
during your trip. Your
sports gear/equipment will
be covered while in use.
Optional Golf Cover Your policy can be extended to cover your golf equipment on payment of an
additional premium
24. Golf Equipment
In addition to section 10 we
will pay if the Golf Up to £1,000 £75 Up to £1,000 £50 N/A N/A
Equipment owned or hired
by you is lost or damaged
25. Golf Equipment Hire
In addition to Section 28 £30 per day £30 per day
up to a up to a
cover includes the hire of maximum of
Nil
maximum of
Nil N/A N/A
replacement golf £300 £300
equipment
26. Green Fees £75 per day £75 per day
We will pay You the up to a up to a
Nil Nil N/A N/A
proportionate value of any maximum of maximum of
non-refundable: Golf Fees £300 £300
/ Equipment Hire or Tuition
Fees
Optional Business Cover Your policy can be extended to cover you on Business on payment of an
additional premium
27. Business Equipment
If your Business
Equipment is lost, stolen or
damaged we will pay for Up to £2,000 £75 Up to £2,000 £50 N/A N/A
the cost of replacement
(less wear, tear and
depreciation).
· Single Article Limit Up to £500 £75 Up to £500 £50 N/A N/A
· Business Samples Up to £1,500 £75 Up to £1,500 £50 N/A N/A
· Computer Equipment Up to £500 £75 Up to £500 £50 N/A N/A
Limit
· Business Equipment Up to £500 £75 Up to £500 £50 N/A N/A
Delay
28. Business Equipment
Hire £150 per day £150 per
In addition to Section 33 up to a day up to a
Nil Nil N/A N/A
cover includes the hire of maximum of maximum of
replacement Business £750 £750
equipment.
29. Business Money
We will cover you for the Up to £1,000 £75 Up to £1,000 £50 N/A N/A
loss of Business money.
· Cash Limit Up to £500 £75 Up to £500 £50 N/A N/A
UK cover Provided you have booked for a minimum of 5 consecutive days, your policy provides
additional cover within the UK as follows:
30. UK Medical Transfer
We will arrange and pay for
Necessary Necessary
medical transfer if you are Costs
Nil
Costs
Nil Necessary Costs Nil
hospitalised 50 miles or
more away from home.
31. Additional
Accommodation Costs
We will pay for the
additional accommodation Up to £1,000 Nil Up to £1,000 Nil Up to £1,000 Nil
and travelling costs of
anyone medically required
to accompany you home
Certain sections of your policy carry an excess (unless additional premium has been paid),
that is the amount of any claim that you have to pay yourself. Policy excesses are applied
under each section of the policy separately.
Significant or unusual exclusions and limitations
There are some situations which you are not covered for. These generally involve anything
resulting from events or circumstances you already know about or that is caused by
deliberate or careless acts on your part. Full details of these are given in the policy
document.
The most significant exclusions of this policy are set out below. There may be other
exclusions that are significant to you, so you need to check the policy document for full
details.
You must declare all Material Facts that are likely to affect this insurance. Failure to do
so may prejudice entitlement to claim. Please refer to the definition of a `Material Fact' in
the Meaning of Words in the policy document. (See General Exclusion 3)
This policy contains restrictions on what cover is in place for claims arising from terrorist
activity. Only valid claims for emergency medical expenses and Personal Accident will
be paid. (see General Exclusion 20)
This policy contains restrictions regarding Pre-existing Medical Conditions which unless
declared and accepted by the Insurers in writing prior to travel may invalidate any
subsequent claim. ( see Sections 2 & 6)
This policy will NOT cover any claims under section 6 (Cancellation, Curtailment or Trip
Interruption) arising directly or indirectly from a Pre-existing Medical Condition, (known to
You prior to the commencement of the Period of Insurance) affecting any:
Close Relative, who is not travelling as an insured person under this policy: or
travelling companion who is not insured under this policy: or
person with whom You intend to stay whilst on Your Trip.
If during the 90 days immediately prior to commencement of the period of insurance they
had:
a. required surgery, inpatient treatment or hospital consultations: or
b. required any form of treatment or prescribed medication: or
c. if they are on a waiting-list for, or had knowledge of the need for surgery, inpatient
treatment or investigation at any hospital or clinic at the commencement of the
period of insurance: or
d. if a terminal diagnosis had been received prior to the commencement of the period
of insurance
(see Section 6)
No Section of this policy shall apply in respect of any claim arising directly or indirectly
from your drug addiction or solvent abuse, excessive alcohol intake, or You being under
the influence of alcohol or drug(s). (see General Exclusion 12)
No Section of this policy shall apply in respect of any person who has reached the age of
80 years at the commencement of the Period of Insurance.
This policy contains strict limits on the length of time You can spend travelling abroad on
each Trip. Please refer to the definition of the `Trip' in the Meanings of Words in the
policy document. TRAVELLING OR INTENDING TO TRAVEL IN EXCESS OF THE
TRIP LIMITS WILL INVALIDATE ANY CLAIMS RELATING TO THAT PARTICULAR
TRIP. Trips must commence and end in the United Kingdom and a return ticket must
have been booked prior to departure. (see General Exclusion 25 & Meaning of Words
Period of Insurance)
In the event of a medical emergency you must contact us as soon as possible. You
MUST contact us before incurring expenses in excess of £500. If you are physically
prevented from contacting us immediately, you or someone designated by you must
contact us within 48 hours. (see Section 2)
No cover is given under Sections 2, 3, 4, 5 and 6 of this policy in respect of any claim
arising from pregnancy within 8 weeks (or 16 weeks in the case of a known multiple
pregnancy) of the estimated date of delivery. (see General Exclusion 8)
Personal Property Claims are paid based on the value of the goods at the time that they
are lost and not on a `new for old basis' or replacement cost basis; thus a deduction is
made for wear, tear, and depreciation. Payment of any claims in respect of any one
article or Pair or Set of articles will be limited to £50 unless satisfactory proof of
ownership is submitted. Evidence of replacement value is not sufficient. (see Section 10)
We will not pay for any claim arising from any deliberately careless or deliberately
negligent act or omission by You, nor for any claim arising or resulting from Your own
illegal or criminal act. (see General Exclusions 9 & 10)
Duration of cover
This policy of insurance will run for the period shown on your policy schedule.
Your right to cancel
Unless Your trip will be completed within 1 month of buying this insurance, You have the
right to cancel your policy of insurance within 14 days from the date of issue or receipt of
policy terms and conditions, whichever is the later. We will refund to you any premium you
have paid and will recover from you any payments we have made.
Making a claim under your policy
In the event of an emergency please phone 0844 338 6300
To obtain a claim form, log onto the www.eaclaims.co.uk website or, alternatively, phone
0844 338 6303
Return the completed claim form to the Claims Department, Europ Assistance, Sussex
House, Perrymount Road, Haywards Heath, West Sussex, RH16 1DN.
Making a complaint
If you wish to register a complaint, please contact us:
...in writing the Quality Department, Europ Assistance, Sussex House, Perrymount Road,
Haywards Heath, West Sussex, RH16 1DN; or
...by phone 0844 338 5799; or
...by e-mail quality@europ-assistance.co.uk.
We are covered by the Financial Ombudsman Service. If you have complained to us and we
have been unable to resolve your complaint, you may be entitled to refer it to this
independent body at South Quay Plaza, 183 Marsh Wall, London, E14 9SR.
Telephone: 0845 080 1800.
Financial Services Compensation Scheme
Europ Assistance Holdings Limited is covered by the Financial Services Compensation
Scheme (FSCS). You may be entitled to compensation from the FSCS, if Europ Assistance
Holdings Limited is unable to meet its obligations. Insurance advising and arranging is
covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any
upper limit. More information can be obtained from the www.fscs.org.uk website.
Europ Assistance Holding Irish Branch is regulated by l'Autorité de Contrôle des Assurances
et des Mutuelles (ACAM), the French Regulator. No compensation scheme is available in
the unlikely event that Europ Assistance Holding Irish Branch is unable to pay claims against
it.