Psychological Conditions Alcohol or Drugs Hazardous Activities


There is no cover for previously diagnosed stress, anxiety, depression, eating disorders, mental instability or any condition requiring psychiatric care.


There is no cover for any claim caused by your past or present use or abuse of drugs, solvents or alcohol


Any claim caused by you taking part in an hazardous activity (as defined in the policy) except where forming part of the published tour operator programme. Hazardous activities include competitive events, sports, pastimes and any other activity that requires skill and involves increased risk of injury. (If you are unsure prior to travel, if your activity is covered by this policy, please telephone us for advice).


Terrorism, war, civil disorder Proof of Claim


The policy does not cover claims arising from terrorism, war, civil disorder or fear of any of these.


If you have to make a claim under any section of these policies it is for you to produce sufficient evidence of the cause of the claim and the losses connected to it before we will meet the claim. For eg. Police, reps report confirming the loss, theft, damage or written medical confirmation confirming the need to curtail your trip. Please also see the ‘If you need Emergency Medical Assistance Abroad’ Section headed in the policy, and see 24 hour Assistance heading on the first page of this Policy Summary.


Read the sections in the policy and under the headings “What you need to do if you wish to make a claim under this section of the policy:”


Property Claims


These are settled on an indemnity basis (initial purchase price less a deduction for age, wear and tear) – not on a “new for old” or replacement cost basis for items belonging to you (or a member of your family). Claims will not be considered unless substantiated by proof of purchase or existing valuation for any item, pair or set above £50. Read Section B2 – Personal Possessions in the policy headed ‘what is not covered’ and “What you need to do if you wish to make a claim under that section of the policy:”


High Value Items


This policy is not intended to cover items of high value, such as video camcorders, expensive watches, etc, as these should be fully insured under your house contents insurance. There is a maximum amount you can claim for each individual item and Valuables combined, and these are shown under Section B2 Personal Possessions in the policy and under the Summary of Cover of this Policy Summary.


Loss of Travel Documents Unattended


This policy provides cover for costs necessarily incurred to obtain replacement travel documents for eg transport costs, accommodation costs, but does not provide cover for the actual cost to replace the documents.


There is no cover for Valuables, Personal Money (including Student Money, Emergency Funds) left unattended, carried in suitcases or similar containers when left unattended. Personal Possessions are not covered if left unattended from your personal trip accommodation. Certain exceptions apply. Read Section B2 Personal Possessions and Section B3 Personal Money in the policy headed ‘What is not covered’ and Definitions section in the policy under Valuables, Personal Possessions and Personal Money.


Personal Liability


There is no cover for claims arising from ownership, possession, control of or use of any mechanically propelled vehicles, aircraft, motorised skis, motorised waterborne craft or sailing vessel or animals, land or buildings other than your trip accommodation or caused by your profession, any member of your family, or deliberate act or omission by you.


Please read the policy under Section B7 Personal Liability, ‘For each insured-person this insurance will not cover’ for details of any exceptions when forming part of the published PGL Summer programme.


Subrogation and contribution


We reserve the right to ask for a contribution from any other relevant insurances you may hold and to take legal action in your name to recover losses against any third party.


Compensation


URV is a member of the Financial Services Compensation Scheme, which offers you protection in the event that the Insurer is not financially able to meet its liabilities in respect of your claim, the FSCS can cover up to 90% of the claim without any upper limit.


POLICY WORDING


The policy wording can be viewed and printed at any time by any one who wishes to see the full terms at www.pgl.co.uk then following the useful downloads insurance policy link.


Pol icy Summary - 2011 PGL Summer Single trip travel insurance


This document provides a guide to the cover provided. It is however, only a summary of the terms of cover and does not contain full details of the insurance policy terms, conditions and exclusions which are contained in the insurance policy itself. You should refer to your own policy document and any endorsements that apply to your policy for full detail of your cover. Please take time to read the policy to make sure you understand the cover it provides.


About your insurance This travel insurance is arranged for PGL by Fogg Travel Insurance Services Limited (Fogg), who is authorised and regulated by the Financial Services Authority and whose FSA registered number is 307304. This can be checked at www.fsa.gov.uk/pages/register. A copy of the policy wording is held by Fogg. This insurance is underwritten by Union Reiseversicherung AG (URV), UK Branch who are authorised in Germany by BaFin, and regulated by the Financial Services Authority (FSA). PGL Travel Limited is an Appointed Representative of Fogg Travel Insurance Services Limited. This insurance is Single Trip cover and under A. Pre-Travel Policy is valid from the date of purchase until you leave home at the start of your trip. The cover under the B. Travel Policy starts when you leave home at the start of your trip and ends when you return home or the expiry of the policy whichever is first. This insurance is arranged for departures between 1st January 2011 and 31st December 2011.


Your right to cancel


If the terms of the policy are not suitable for your needs please inform PGL within 14 days of receipt of your insurance document. The travel insurance will be cancelled provided no claims have been made, you do not intend to make any claim and you return your policy prior to your departure date.


24 Hour Assistance


We want to take all the worry out of your trip so that you have the best time possible. If problems do occur you can be sure that help will be on hand wherever possible. This is why we have arranged a special 24 hour service for emergency medical assistance. Through FOGG ASSIST we provide immediate help in the event of an Insured Person’s illness or injury arising outside the United Kingdom. You must notify FOGG ASSIST immediately of any serious illness or accident abroad where you are admitted to hospital or you are anticipating having to return home early or having to extend your stay, or where costs are likely to exceed £500 because of any illness or injury. We provide a 24 hour multi-lingual emergency service, 365 days per year and can be contacted by telephone or fax. Emergency Tel. No. (+44) 845 658 9899 Fax. (+44) 20 7407 9206 You will need to quote PGL Summer. Please refer to the ‘If you need Emergency Medical Assistance Abroad’ Section of the policy for full details.


Referral Helpline If you need to make a medical declaration and/or material fact please refer to your policy and “Disclosure of Material Facts and Pre-existing Health Conditions’ under the pre-travel policy and ‘Change in Medical Condition or Ongoing Medication’ under the travel policy. You should contact the Referral Helpline on telephone number 0845 1300 198 during office hours Monday to Friday, 9am to 5pm.


Legal Advice


Should you have an accident abroad and require legal advice this is available through Pannone LLP, 123 Deansgate, Manchester, M3 2BU telephone: 0161 228 3851 or fax: 0161 909 4444. They will arrange for up to thirty minutes of advice to be given to you by a lawyer. You cannot use this service to sue a member of your family, the tour operator, the insurer or anyone acting as their agent.


Claims


If you require a claim form please visit www.foggtravelinsurance.com and click on claim forms or alternatively if you do not have internet access you can contact Fogg Travel Insurance Services Limited Crow Hill Drive, Mansfield, Notts. NG19 7AE on telephone: 01623 631331 or by email: claims@foggtravelinsurance.com In all circumstances you should quote PGL Summer.


Law Applicable to the Insurance This insurance is governed by the law of England and Wales unless you and your insurers have agreed otherwise.


Complaints


We aim to give you a first class service and to meet any valid claims covered by these policies honestly, fairly and promptly. If you are not happy with our service or wish to complain about your insurance policy please write in the first instance to: The General Manager, Fogg Travel Insurance Services Limited, Crow Hill Drive, Mansfield, Notts. NG19 7AE Should you still remain dissatisfied you may then pursue the following options: (i) Write to the Branch Manager, URV, Oast Business Centre, North Frith Farm, Ashes Lane, Hadlow, Kent TN11 9QU who will review the claims office decision.


(ii)


If your complaint cannot be resolved you may ask the Financial Ombudsman Service (FOS), South Quay Plaza, 183 Marsh Wall, London E14 9SR to review your case. Their telephone number is 0845 080 1800


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