FCA/WN January 2015
Statement of Demands & Needs
This policy is designed to meet the demand and needs of those who are travelling on conventional holidays, extended stay and backpacking trips
(Please note this statement does not constitute advice or a personal recommendation of the travel insurance product.)
Policy Summary
This is your Policy Summary only and does not contain the full details of the contract. Full terms & conditions can be found in your policy wording. Please note this summary does not form part of the contract.
Your Travel Insurance Policy
The travel insurance policy is underwritten by Millstream Underwriting Limited on behalf of AWP P&C SA administered in the United Kingdom by AWP Assistance UK Ltd (Sections 1 to 18) and International Passenger Protection Ltd on behalf of certain underwriters at Lloyd’s (Section 19 only Financial Failure Protection).
Main Features & Benefits
Who is Covered?
Single trip polices can be purchased for individuals or families up to and including 64 years of age for trips up to 550 days duration.
What is Covered?
The main sections of cover are:
| Section of Cover |
Standard Cover |
Explorer Cover |
| Trip cancellation and curtailment |
up to 3,000 |
up to 5,000 |
| Emergency medical expenses whilst overseas |
up to 5 million |
up to 10 million |
| Personal Baggage |
up to 1,000 |
up to 2,000 |
| Personal Liability |
up to 2 million |
up to 2 million |
| Personal Accident |
10,000 |
25,000 |
| Financial Failure Protection |
up to 3,000 |
up to 5,000 |
Cover is also provided for a Hospital Benefit, Delayed Baggage, Legal Expenses and Loss of Passport Expenses. Full details of the cover limits provided under each section are set out in the Summary of Cover on page 1 of the Policy Wording. The Baggage section can be extended to cover specified items up to £400 per item to a maximum of £1,250 (Standard) and up to £750 per item to a maximum of £2,000 (Explorer) in total. The Explorer cover provides additional cover against travel disruptions and delays. See the Policy Wording for further details.
Subject to Payment of an additional premium
- policies can be extended to cover winter sports, scuba diving and a large number of other sports and activities,
- cover is provided if you are undertaking non-manual work during your trip and can be extended to cover manual work.
Full details of the cover limits provided under each section are set out in the Summary of Cover on page 1 of the Policy Wording.
Significant Conditions & Exclusions
We bring your particular attention to the following conditions and exclusions.
| The policy excludes pre-existing medical conditions; this is set out in more detail overleaf. |
Important Information - Medical Conditions, Definitions |
| You will not be covered if you choose to travel to a country or region against the advice issued by the Foreign & Commonwealth Office. Telephone: +44 (0)20 7008 1500 Website: www.gov.uk/fco |
Important Information - What is Covered, General Exclusion 1 |
|
If you arrange cover after you have left home to commence your trip there is a waiting period of 72 hours before cover starts
The policy excludes any costs related to pregnancy from 12 weeks before and 12 weeks after the estimated delivery date.
|
Important Information - When cover starts and ends
General Exclusion 11
|
| You will not be covered for additional costs incurred as a result of any delay in telling your travel provider that you need to cancel your trip. |
Section 1 |
| Costs of more than £500 must be authorised by the Emergency Medical Service. |
Section 3 |
| If you get sick or injured while overseas, this policy provides cover for emergency medical and dental treatment only. If it is medically necessary to return home as a result of serious injury or illness or for ongoing medical treatment and your return ticket cannot be used, the policy covers the additional costs of travel to the United Kingdom only. |
Section 3 |
| There are maximum limits within the baggage sections for any one article, pair or set, jewellery and valuables. |
Section 7 |
| Baggage claims are paid based on the value of the goods at the time they are lost and not on a 'new for old' basis unless you have cover for a specified item. Claim payments will be subject to a deduction for wear and tear. We do not make any reductions for wear and tear on specified items shown on your certificate of insurance. |
Section 7 |
| The policy will not cover baggage left unattended or valuables, or jewellery unless kept on the person or stored in a locked safety deposit box or safe. |
Section 7 |
| An excess will normally apply per person, per section, per incident to any claim. |
Most Sections |
| There is no personal liability cover for hire, use or possession of any vehicle or in relation to your employment. |
Section 14 |
| Cover is provided for certain sports and activities but you may be required to pay an additional premium. You must obtain written confirmation from us if you require cover for planned activities that are not listed. Losses resulting from participation in high risk sports and hazardous activities are excluded. |
Important Information - What is Covered Section 17 |
| Cover is provided if you are undertaking non-manual work and can extended to cover manual work subject to certain restrictions subject to payment of an additional premium. |
What is Covered Important Information - What is Covered Section 17 |
Medical Conditions
We do not cover pre-existing medical conditions. You can still take out a World Nomads policy with a pre-existing condition, but we won't cover any claim made as a result of this condition. A pre-existing medical condition means:
- an ongoing medical or dental condition, or related complication you have, the symptoms of which you are aware of, or that is currently being or has been investigated by a medical practitioner, dentist or a chiropractor; or
- a medical or dental condition for which advice, treatment or medication has been prescribed by one of the people listed in this definition, within 180 days before you purchased your policy.
This applies to you, your travelling companion, an immediate relative or someone upon whom your trip depends.
If you extend your policy during your trip, please note that any illness or injury which you have suffered from in the previous period(s) will not be covered in the extended period.
Claims Notification
If you require assistance abroad please call our 24 hour Emergency Assistance service on +44 (0)20 7183 3751 or email assistance@mstream.co.uk . The medical emergency service is provided by Specialty Assistance Services Limited.
If you wish to make a claim please call +44 (0)845 643 2629 or email claims@mstream.co.uk , Please note documentary evidence will be required to support any claim. Claims are administered by Claims Settlement Agencies Limited.
Your right to Cancel
If your cover does not meet your requirements, please notify us within 14 days of receiving your policy and return all your documents for a refund of your premium.
If during this 14 day period you have travelled, made a claim, or intend to make a claim then we are entitled to recover all costs for those services that you have used. Please note that your cancellation rights are no longer valid after this initial 14 day period.
How to Complain
For all complaints please write, quoting your World Nomads policy number, to:
The Managing Director
Millstream Underwriting Limited
52 – 56 Leadenhall Street
London, EC3A 2DX
Email:
mail@mstream.co.uk
If you are still dissatisfied, at this stage you may contact:
The Financial Ombudsman Service
Exchange Tower
London, E14 9SR
Please note that the Financial Ombudsman Service will not consider your complaint until you have received a final decision from Millstream Underwriting Limited.
For complaints relating to Section 19 Financial Failure Protection please write to:
The Claims Manager
IPP Claims Office, IPP House
22-26 Station Road,
West Wickham, Kent, BR4 0PR.
Details about our Regulator
Travel insurance from World Nomads is underwritten by Millstream Underwriting Limited on behalf of AWP P&C SA AWP Assistance UK Ltd is the appointed administrator for AWP P&C SA in the United Kingdom.
Section 19 Financial Failure Protection of this travel insurance is insured by certain underwriters at Lloyd’s and is administered by International Passenger Protection Limited (IPP). Certain underwriters at Lloyd’s are authorised and regulated by the Financial Conduct Authority (FCA), for further information contact IPP.
Millstream Underwriting Limited (FCA Firm Ref: 308584), AWP Assistance UK Ltd (FCA Firm Ref: 311909) and International Passenger Protection Limited (FCA Firm Ref 311958) are authorised and regulated by the Financial Conduct Authority (FCA).
AWP P&C SA is authorised by Autorité de Contrôle Prudentiel in France and authorised and subject to limited regulation by the Financial Conduct Authority. Details about the extent of our authorisation and regulation by the Financial Conduct Authority are available from us on request. Their registration can be checked on the financial services register at www.fca.org.uk or you can contact them on 0800 111 6768
Millstream Underwriting Limited and AWP Assistance UK Ltd will act as agents for AWP P&C SA with respect to the receipt of customer money and for the purpose of settling claims and handling premium refunds.
Millstream Underwriting Limited, Registered in England No. 3896220, Registered Office: 52-56 Leadenhall Street, London, EC3A 2DX.
AWP Assistance UK Ltd, Registered In England No. 1710361. Registered Office: Mondial House, 102 George Street, Croydon CR9 1AJ.
International Passenger Protection Limited will act as agents for certain underwriters at Lloyd’s with respect to the receipt of customer money and for the purpose of settling claims.
In the event that the insurer is unable to pay a claim you may be entitled to compensation from the Financial Services Compensation Scheme. Information can be obtained on request, or by visiting the Financial Services Compensation Scheme website at www.fscs.org.uk
