Page 146 - shearings-uk-21-22

Insurance Cover tailored to you...

At Shearings, we always do everything we can to ensure your holiday PLEASE NOTE You must also notify MediScreen immediately of any changes in
runs as smoothly as possible from start to finish. For this reason we medical circumstances arising between the date the policy is issued and the time of
strongly recommend you take out a holiday insurance policy, even if departure of the trip. Failure to do so may invalidate the insurance, leaving you with
its not the holiday insurance policy that we offer you, to ensure you’re no right to make a claim. This applies to all destinations.
prepared for the unexpected. In addition to the above the policy also contains the following main exclusions:
To provide you with a travel insurance policy designed with our customers • Any existing medical conditions unless they have been declared to (where
in mind, we’ve teamed up with travel insurance providers, Towergate appropriate) and accepted by the insurer.
Travel. Some of the benefits of this travel insurance policy include: • Your participation in any organised sports, winter sports or dangerous activities
unless they have been declared to and accepted by the insurer.
3 No maximum insurable age • Suicide or the wilful exposure to exceptional personal risk.
• Travel against the advice of the carrier, any other public transport provider, the
3 We do not increase the premium if you are over 65 Foreign Office or the World Health Organisation.
• The bankruptcy / liquidation of the tour operator, travel agent or transportation
3 24-hour English-speaking emergency assistance company with whom you have booked your trip.
• Claims arising from any epidemic or pandemic as declared by the World Health
If you take out this insurance when booking your holiday, the insurance premium will Organization (WHO).
be added to your holiday cost. Your policy wording, Insurance Product Information • Any coronavirus, including but not limited to COVID-19, or any related / mutated
Document (IPID) and status disclosure document will be sent to you with your form of the virus. This exclusion does not to apply to Section 12 - COVID-19
booking confirmation. Cover of this policy.
Shearings Appointed Representative of ITC Compliance Ltd, which is authorised and Cooling Off Period
regulated by the Financial Conduct Authority (their registration number of 313486) If upon receiving your policy you decide the insurance doesn’t meet your
and which is permitted to advise on and arrange general insurance contracts. requirements you can cancel it for a full refund by returning it to us within 14 days of
Important receipt or before travelling (whichever is soon), providing you have not made a claim.
You may already possess alternative insurance policies for some or all of the SECTION OF COVER MAXIMUM SUMS INSURED /BENEFITS EXCESS
benefits provided by this product. It is your responsibility to investigate this. We will EXCESS PER PERSON
not provide you with advice about the suitability of this product however we are Cancellation • £5,000 UK, Isle of Man, Channel Islands • £25 Loss of Deposit
& Europe
happy to provide you with factual information to help you make an informed choice. • £7,500 Worldwide • £75 UK, Isle of Man, Channel Islands &
Republic of Ireland
All policies have exclusions and restrictions to them. It is very important that you • £60 Europe & Worldwide (trips up to
£5,000 in value)
understand these and only purchase the policy if you are happy that you and every • £250 Worldwide (trips £5,001 to
member of your party meet the eligibility criteria. £7,500 in value)
Residency Delayed Departure • £60 (£20 after 12-hours and then £10 • Nil Delayed Travel
Any person named on the policy who is staying in or has lived in the UK for more for each subsequent 12-hours delay) • £60 (trips up to £5,000 in value)
Holiday Abandonment/£250 (trips
Delayed Travel
than 12 months, or if studying or working in the UK for more than six months, is • £5,000 UK, Isle of Man, Channel Islands £5,001 to £7,500 in value) Holiday
& Europe/£7,500 Worldwide Holiday
Abandonment
covered by the policy. Abandonment
Pre-Existing Medical Conditions Missed Departure • £100 England, Scotland & Wales Nil
You must be able to comply with the following conditions to have the full protection • £500 Northern Ireland, Isle of Man,
Channel Islands, Isles of Scilly, Europe &
of your policy. If you do not comply, the insurers may decline any relevant claim or Worldwide
reduce the amount of any relevant claim payment. Personal Accident Up to £25,000 (subject to age) Nil
If you are travelling within England, Scotland, Wales, Northern Ireland, Isles of Scilly, Medical & Other £5,000,000 sub-limited to: • £75 UK, Isle of Man, Channel Islands &
Expenses
• £350 Emergency Dental Pain Relief
Republic of Ireland
Isle of Man, Channel Islands or Republic of Ireland you are not required to declare (Including Curtailment) (Non-UK) • £60 Europe & Worldwide (trips up to
£5,000 in value)
your medical conditions. However to be covered for any medical conditions you • £1,500 Additional Accommodation & • £250 Worldwide (trips £5,001 to
Repatriation Expenses
have or have had, you must be able to answer NO to questions 1. to 4. and YES to • £300 Additional Travel Expenses (UK) £7,500 in value)
questions 5. and 6. a) and • £5,000 UK, Isle of Man, Channel Islands &
Europe/£7,500 Worldwide Curtailment
b) below: Hospital Benefit • £100 (£10 per 24-hours) UK Nil
1. Are you aware of any reason why the trip could be cancelled or cut? (Including Confinement • £500 (£15 per 24-hours) Non-UK
2. Are you travelling: to Cabin)
a) against the advise of a medical practitioner, or Baggage (Including £1,000 sub-limited to: • Nil Delayed Baggage
• £60 Baggage & Personal Money
Personal Money)
• £200 Single Article Limit
b) for the purpose of obtaining medical treatment? • £200 in all valuables
3. Have you been given a terminal prognosis? • £100 Delayed Baggage (after delay of 12
hours or more)
4. Are you receiving or awaiting treatment for any bodily injury, illness or disease as • £200 Personal Money (subject to age)
a hospital day case or in-patient? Loss of Passport and/or £200 Non-UK Nil
5. If you are on prescribed medication, are your medical condition(s) stable and well Visa Expenses
controlled? Personal Liability £2,000,000 Nil
6. If you suffer from stress, anxiety, depression or any other mental or nervous Emergency Home Call out of an approved tradesperson, three Nil
disorder, have you received written confirmation (at your cost) that you are fit Assistance (Per Household) hours labour and £100 materials
enough to take this trip by either: COVID-19 Cover • £5,000 UK, Isle of Man Channel Islands • £25 Loss of Deposit
a) a registered mental health professional (if you are under the care of a (Coronavirus) & Europe / £7,500 Worldwide Cancellation • £75 UK, Isle of Man, Channel Islands
& Republic of Ireland
& Curtailment
Community Mental Health Team), or • £1,000,000 Medical & Other Expenses • £60 Europe & Worldwide (trips up to
£5,000 in value)
b) a consultant specialising in the relevant field? • £250 Worldwide (trips £5,001 to
£7,500 in value)
If you are travelling outside of England, Scotland, Wales, Northern Ireland, Channel This is a summary of cover only. Full terms and conditions are as per the policy wording, a
Islands, Isle of Man and the Republic of Ireland you must telephone MediScreen on specimen copy of which is available upon request.
0344 892 1698 if anyone covered by this policy, or any person upon whose health
the trip depends: Insurance Premiums
The premiums below are per person and are inclusive of Insurance Premium Tax
1. Has ever suffered from, been investigated for, received treatment for or been
diagnosed with: Europe 2-5 days 6 days 7-10 days 11-12 days 13-17 days
a) any cancer or malignant condition £42 £46 £52 £54 £57
b) any lung, cardiac or circulatory condition (including angina or hypertension).
2. Has any medical condition that has required referral to or a consultation with a UK 2-4 days 5 days 6-8 days
specialist or hospital treatment, investigation or check up in the last 12 months. £29 £33 £38
MediScreen’s office hours are 9am to 5pm Monday to Thursday and 9am to 4pm This scheme is arranged by Towergate Travel and underwritten by ERGO Travel Insurance Services Ltd (ETI) on behalf of Great Lakes
Insurance SE (GLISE). GLISE is a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. UK Branch office:
Friday excluding Bank Holidays. You may have to pay an addition premium to cover Plantation Place, 30 Fenchurch Street, London, EC3M 3AJ, company number SE000083. GLISE, UK Branch, is authorised by Bundesanstalt für
Finanzdienstleistungsaufsicht and subject to limited regulation by the FCA and Prudential Regulation Authority: register number 769884. This
your medical conditions. policy is administered by ERGO Travel Insurance Services Ltd (ETI): registered in the UK, company number 11091555. Authorised and regulated
by the FCA, register number 805870 and registered office: Plantation Place, 30 Fenchurch Street London, EC3M 3AJ. Details about the extent
of GLISE’s and ETI’s authorisation and regulation by the PRA and the FCA are available on request.

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