Policy Summary

Tony Backhurst Scuba Travel Insurance – Policy Summary

This is a travel insurance policy summary only and does not contain the full terms and conditions of the contract. Full terms and conditions can be found in the policy booklet, a copy of which is available by clicking here.

Insurers

The insurers are Fortis Insurance Limited apart from section 11 where the insurer is DAS Legal Expenses Insurance Company Limited

Travel Insurance

The insurance policy covers Personal Travel insurance and on an annual multi-trip policy, the cover includes winter sports. Your travel insurance schedule and policy booklet form the basis of the contract. English law will apply to this contract of insurance.

Single Trip and Multi-Trip Cover

This travel insurance can be purchased as a single trip policy or an annual multi-trip policy. The single trip policy will provide cover for one specific trip, which can be up to a maximum duration of six months depending upon the length of the trip. The policy schedule will show when the policy starts and finishes. The maximum age limit is 66 years.
An annual multi-trip policy provides cover for any number of trips in the 12-month period shown on your schedule. Each trip is covered up to a maximum of 31 days duration. The policy schedule will show when the 12 month period starts. The maximum age limit is 65 years. Page 2 of the policy gives further information

Significant Features and Benefits

The policy booklet outlines the features and benefits of the cover provided under Personal Travel Insurance. Full details of each section can be found from pages 3 through to 6 of your policy booklet. Details of winter sports cover for customers with annual multi-trip insurance can be found on pages 5 to 6 of the policy booklet.

The following table is a summary of the benefits available.

Personal Travel Insurance

Section: Sum insured:
1a If your trip is cancelled up to £5,000*
1b If your trip is cut short up to £5,000*
2 Personal accident up to £15,000
3 Medical and other expenses up to £5 million*
4 Hospital benefit up to £1,000
5a Personal belongings & Diving equipment up to £1,500*
5b Temporary loss up to £100
6 Money and documents up to £500*
7 Loss of passport up to £250
8 Travel delay up to £150 (£5,000 for cancellation)
9 Missed departure – extra travel and accommodation up to £800
10 Personal liability up to £2 million
11 Legal expenses up to £25,000
12 Unused dive pack up to £200
13 Hired dive equipment up to £300
14 Hijack up to £500

Items marked with a * are subject to a £50 excess

Principal Exclusions or Limitations.

Health

Health restrictions apply to some Sections of this policy. See Sections 1A, 1B, 2, 3 and 4 on pages 3 to 4 of the policy. You must refer to the Declaration on page 1 of the policy. If you cannot agree the Declaration you must contact the Fortis Health Line. If you do not do this your claim may not be met. See the Declaration on page 1 of the policy

If, after purchasing this insurance, there is a change in health and you can no longer agree to the declaration, you must contact the Fortis Health Line to see if cover can continue. If we cannot continue cover you may claim for the cost of cancelling your trip at that time.

Your policy does not cover you if you are travelling against medical advice or to get medical treatment. See Sections 1A, 1B, 2 and 3 on page 3 of the policy.

Dangerous Activities

Your travel insurance policy does not automatically cover you for all activities. If you are going to take part in any activity that may be considered dangerous, or you are taking a winter sports holiday, please contact your insurance agent for advice.
See pages 1 and 2 of the policy

Personal Belongings, Money and Documents

Your policy provides cover for loss, damage or theft of your personal belongings, money and documents, however we may take an amount off for wear and tear. The policy also contains maximum amounts that can be claimed for individual items, valuable items and cash. Your policy provides full details of these limits. See Sections 5a 5b and 6 of the policy.

What happens if I take out cover and then change my mind?

You can cancel this policy within 14 days from the date you receive the policy wording and policy schedule. We will then refund your premium in full.
Please note that, for a single trip policy, a refund of premium is only available if the period from the date of issue of the policy to the scheduled return date home is greater than 28 days.
No refund of premium is available after the 14 day period. See page 1 of the policy

How to make a claim

Telephone the Fortis Onecall service on 08701 222022. This line is open 24 hours a day, 365 days a year. Please have your policy details available.

We may ask for documentation to support your claim. See page7 of the policy.

If you need help in a medical emergency please call +44 23 8064 4633. See page 8 of the policy.

What to do if you have a complaint

If you have experienced a problem with any part of our service, we will sort this out as quickly and fairly as possible

Step 1 – Please contact our customer Service Adviser at the address below.

Step 2 – Write to Barry Smith, Chief Executive, at the same address if your problem is not sorted out.

Step 3 – If you are not satisfied with our final decision, you can write to the Financial Ombudsman Service at South Quay Plaza 2, 183 Marsh Wall, London, E14 9SR.

See page 2 of your policy booklet on how to make a complaint.

Financial Services Compensation Scheme

In the event that Fortis is unable to meet its liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme. More information can be obtained from Customer Services on 020 7892 7300 or www.fscs.org.uk