This Insurance is only valid when issued in conjunction with a National Express ticket showing insurance has been purchased.

 

This Policy is insured by AXA Insurance UK Plc Registered in England No. 78950. Registered Office; 107 Cheapside, London, EC2V 6DU.

A member of the AXA Group of Companiesauthorised and regulated by the Financial Services Authority in accordance with their Agreement with Towergate Chase Parkinson and is arranged by Towergate Chapman Stevens.

 

If you have any questions or uncertainties about the terms, conditions and exclusions you must contact the issuer of this Insurance policy immediately. AXA Insurance UK Plc is authorised and regulated by the Financial Services Authority. This can be checked on the FSA register by visiting the FSA's website at www.fsa.gov.uk/register or by contacting them on 0845 606 1234

 

Towergate Chapman Stevens and Towergate Chase Parkinson are part of the Towergate Underwriting Group Limited and are authorised and regulated by the Financial Services Authority.

 

 

VALIDATION PERIOD

Cover is applicable for the whole duration of the outward and return coach/bus journey and no period between, providing you have the travel document issued to you by National Express and it is validated with the appropriate insurance vaildation certificate.

 

'COOLING OFF' PERIOD

You should read this Policy immediately to ensure that it meets with all your requirements. If for any reason it does not, return it to the issuer of this Policy within 14 days of the date of issue, or prior to travel (whichever is sooner). Your money will be refunded in full, provided no claims have been made or incident likely to give rise to a claim has arisen. If you cancel your policy after 14 days no refund will be given.

 

GOVERNING LAW

You are free to choose the law applicable to this policy.Your policy will be governed by the law of England and Wales unless agreed otherwise.

 

GEOGRAPHICAL LIMITS

Cover applies anywhere within the United Kingdom.

 

IMPORTANT NOTES

1. This policy is only available to persons resident in the United Kingdom and to persons visiting the United Kingdom.

2. This policy is only valid for journeys within the United Kingdom.

3. Under some sections there is an amount deducted (an excess) per incident which applies to each insured person involved in an incident, as do the sums insured under each section.

4. Children under 3 years of age at the time of travel are insured free of charge, provided this insurance is taken out by an accompanying adult insured on the same policy.

 

DEFINITIONS

Wherever the following words and phrases appear in this policy they will always have these meanings:-

 

Baggage

Your suitcases (or similar luggage carriers) and their contents usually taken on a trip, together with the articles purchased, worn or carried by you for individual use during your trip (including Golf Equipment)

Loss of Limb

Physical, permanent and total loss of use at or above the wrist or ankle

Loss of Sight

The complete and irrecoverable loss of sight of one or both eyes.

Money

Cash, postal and money orders, travel tickets, lift passes (in respect of winter sports trips where the appropriate premium has been paid) held by you for social, domestic and pleasure purposes.

Permanent Total Disablement

Disablement as a result of which there is no business or occupation which you are able to attend to and which having lasted for a period of 12 months is, at the end of that period, beyond hope of improvement.

Personal Accident

Accidental bodily injury caused solely and directly by sudden, outward violent and visible means.

Journey

Travelling to and from your pre-booked destination on a coach/bus and during transfers from one coach/bus to the other.

UK Residents

Any person who is staying in or has lived in the United Kingdom for more than 12 months, or if studying or working in the United Kingdom for more than 6 months.

United Kingdom

England, Scotland, Wales, Northern Ireland, the Isle of Man and the Isles of Scilly.

Valuables

Watches, furs, jewellery, photographic equipment, video equipment, camcorders and audio equipment including cassettes, CDs, DVDs, mini discs and headphones.

We/Us/Our

AXA Insurance UK Plc.

You/Your

Each insured person.

 

SECTION 1 - PERSONAL LIABILITY

 

YOU ARE COVERED

For up to a maximum of £1,000,000 for your legal expenses and legal liability for damages, arising from an accident that happened during the trip leading to claims made against you for;

 

1. Accidental bodily injury to a person who is not a member of your family or household or employed by you

2. Loss or damage to any property which does not belong to, is not in the charge of and is not in the control of you, any member of your family or household or anyone employed by you

 

YOU ARE NOT COVERED

1. For fines imposed by a Court of Law or other relevant bodies

2. For anything caused directly or indirectly by;

(a) liability which you are responsible for because of an agreement that was made

b) injury, loss or damage arising from;

i) ownership or use of aircraft, horse-drawn or mechanical/motorised vehicles, vessels (other than rowing boats, punts or canoes), animals (other than horses, domestic dogs or cats), or firearms (other than guns being used for sport)
ii) the occupation (except temporarily for the purposes of the trip) or ownership of any land or buildings
iii) the carrying out of any trade or profession
iv) racing of any kind
v) any deliberate act

(c) liability covered under any other insurance

 

SECTION 2 - PERSONAL ACCIDENT

 

YOU ARE COVERED

For the following benefits, which will be paid to you or your legal personal representative, if you have a personal accident during your trip which, at the end of 12 months of that accident, is the sole cause of your consequent death or disablement.

1) Death - £10,000

2) Loss of one or more Limbs, total and irrecoverable loss of sight in one or both eyes or permanent total disablement - £20,000

NOTE - If you are aged under 16 at the time of the accident the death benefit will be limited to £1,000 and the permanent total disablement benefit will not apply .

Our aggregate liability under this section is £20,000 per insured person.

 

YOU ARE NOT COVERED

Any claims for death, loss or disablement caused directly or indirectly by:

1) Any disease or any physical defect or illness.

2) An injury which existed prior to the commencement of the journey

3) Pregnancy

4) Anything mentioned in the General Exclusion

 

SECTION 3 - PERSONAL PROPERTY

 

YOU ARE COVERED

 

A. PERSONAL BAGGAGE

For up to £750 after making proper allowance for wear and tear and depreciation, for the value or repair of your own baggage (not hired, loaned or entrusted to you), which is lost, stolen damaged or destroyed: limited to £100 in respect of all valuables, limited to £100 in respect of a single article or a pair or set of articles (eg golf equipment). NOTE - In the event of a claim in respect of a pair or set of articles we shall be liable only for the value of that part of the pair or set which is lost, stolen, damaged or destroyed

 

B. PERSONAL MONEY

For up to £50 if your own money is lost or stolen whilst being carried on your person

 

EXCESS

The first £30 of each and every incident per insured person involved in the incident

 

YOU ARE NOT COVERED FOR

1) If you do not exercise reasonable care for the safety and supervision of your property

2) If you do not obtain a written police report within 24 hours of the discovery in the event of loss, burglary or theft of baggage, valuables or money

3) If you do not obtain a written carriers report if your baggage is lost or damaged in transit (or a Property Irregularity report in the case of an airline)

4) For loss, destruction, damage or theft;

(a) due to confiscation or detention by customs or other officials or authorities

(b) of contact lenses, dentures, hearing aids, samples or merchandise, bonds, coupons, securities, stamps or documents of any kind, (other than as defined in the money definition), vehicles or accessories (other than wheelchairs and pushchairs only), tents, antiques, musical instruments, pictures, typewriters, portable telephones, computers and/or accessories, televisions, sports gear whilst in use pedal cycles, dinghies, boats and/or ancillary equipment, glass or china.

due to wear and tear, denting or scratching, moth or vermin

of valuables left as 'check-in' baggage

5) For mechanical breakdown or derangement; for breakage of fragile or brittle articles being transported by a carrier, unless the breakage is due to fire or other accident to the vessel, aircraft or vehicle they are being carried in.

6) For baggage or personal property stolen from;

(a) an unattended coach/bus unless it was in the locked luggage compartment of the coach/bus and evidence of force and violent entry to the vehicle is available

(b) the passenger compartment of any unattended vehicle

7) For any shortages due to error, omission or depreciation in value

8) For any property more specifically insured or recoverable under any other source

9) For anything mentioned in the General Exclusions shown on page 2.

 

GENERAL EXCLUSIONS

 

YOU ARE NOT COVERED FOR

Anything caused directly or indirectly by:-

1. your suicide, deliberately injuring yourself, being under the influence of drink or drugs (unless prescribed by a doctor), alcoholism, drug addiction, solvent abuse, wilful exposure to exceptional risk, (unless you are trying to save someone's life);

2. consequential loss of any kind

3. War, hostilities (whether war be declared or not), terrorist activity, revolution, military or usurped power, civil commotion or any similar event

4. loss or damage to any property and expense or legal liability; directly or indirectly caused by or contributed to by arising from:-

(a) ionising radiations or radioactive contamination from any nuclear fuel or nuclear waste which results in burning of nuclear fuel;

(b) the radioactive, toxic, explosive or other dangerous properties of nuclear machinery or any part of it;

(c) pressure waves from aircraft and other flying objects travelling faster than the speed of sound;

5. any payment which you would normally have made during your journeys, if nothing had gone wrong;

6. failure of any computer hardware or software or other electrical equipment to recognise or process any date as the true calendar date (this exclusion does not apply to claims made under Section 2 - Personal Accident).

7. bankruptcy/liquidation of any tour operator, travel agent or transportation company

 

GENERAL CONDITIONS

You must comply with the following Conditions to have the full protection of your Policy. If you do not comply with them, we may at our option cancel the Policy or refuse to deal with your claim.

1. No payment will be made under Section 2 without appropriate medical certification.

2. If we require any medical certificates, information, evidence and receipts, these must be obtained by you at your expense.

3. In the event of a claim, if we require a medical examination you must agree to this and in the event of death we are entitled to a post mortem examination both at our expense.

4. You must take all reasonable steps to recover any lost or stolen article.

5. You must not act in a fraudulent manner. If you or anyone acting for you

(a) make a claim under the Policy knowing the claim to be false or fraudulently exaggerated in any respect or

(b) make a statement in support of a claim knowing the statement to be false in any respect or

c) submit a document in support of a claim knowing the document to be forged or false in any respect or

(d) make a claim in respect of any loss or damage caused by your wilful act or with your connivance

i) we shall not pay the claim
ii)we shall not pay any other claim which has been or will be made under the Policy
iii) the carrying out of any trade or profession
iv)we may at our option declare the Policy void

6. You must not make any payment, admit liability, offer or promise to make any payment without written consent from us.

7. We are entitled to take over any rights in the defence or settlement of any claim and to take proceedings in your name for our benefit against any other party.

8. We may at any time pay to you our full liability under the policy after which no further payments will be made in any respect.

9. It is a condition of this insurance that all material facts have been disclosed to us, failure to do so may invalidate this insurance leaving you with no right to make a claim.

10. If at the time of making a claim there is any other Policy covering the same risk we are entitled to contact that insurer for a contribution.

 

HOW TO MAKE A CLAIM

1. If you need to make a claim, please obtain a claim form by telephoning or writing to the appropriate claims service below within 28 days
of your return:

 

Towergate Chapman Stevens

Claims Department

PO Box 417

West Byfleet

KT14 7XQ

Telephone: 01932 344300

 

2. Then return your completed claim form to the claims service together with your original insurance policy, confirmation of booking, all original

receipts and police reports (which must be obtained within 24 hours of the discovery of the event of loss, burglary or theft of money, valuables or any items of baggage) and any other evidence as requested on the claim form.

 

COMPLAINTS PROCEDURE

If You have cause for complaint, it is important You know We are committed to providing You with an exceptional level of service and customer care. We realise that things can go wrong and there may be occasions when You feel that We have not provided the service You expected. When this happens, We want to hear about it so that We can try to put things right

 

WHO TO CONTACT

The most important factors in getting Your complaint dealt with as quickly and efficiently as possible are:
to be sure You are talking to the right person, and:
that You are giving them the right information.

 

WHEN YOU CONTACT US

Please give Us Your name and a contact telephone number

Please quote Your policy and/or claim number, and the type of policy You hold

Please explain clearly and concisely the reason for Your complaint

 

INITIATING YOUR COMPLAINT

Any enquiry or complaint you have regarding your policy or a claim notified under your policy, may be addressed to:

 

The Managing Director

Towergate Chapman Stevens

P.O. Box 417

West Byfl eet

Surrey

KT14 7YQ

 

Should the matter not be resolved to your satisfaction then please write directly to Us at the address given:

 

Head of Customer Care

AXA Insurance UK plc

Civic Drive, Ipswich, IP1 2AN

Tel: 01473 205926 Fax: 01473 205101

Email: customercare@axa-insurance.co.uk

 

If We have given You Our final response and You are still dissatisfied You may refer Your case to the Financial Ombudsman Service (FOS).

The FOS is an independent body that arbitrates on complaints about general insurance products. It will only consider complaints after We have provided You with written confirmation that Our internal complaints procedure has been exhausted.

The Ombudsman can be contacted at:

 

Insurance Division

Financial Ombudsman Services

South Quay Plaza

183 Marsh Wall

London E14 9SR

Telephone: (0845) 080 1800

Fax: (020) 7964 1001